Scam-Free Guarantee Terms

1. Definitions

For the purposes of these Terms:

• "Company," "we," "us" means Goals and Gambles LLC, a Texas limited liability company that operates Remote Prop View.
• "Service" means the RemotePropView website, mobile experience, APIs, and related products at remotepropview.com.
• "User," "you" means an individual, U.S. resident, accessing the Service while logged in to a paid plan or after purchasing a one-time TruReport SKU.
• "Trust Score" means the composite numerical score (0-100) computed and displayed by the Service for a given DFW property at a given moment, per the methodology described at /editorial-standards and the data contracts in the Service's engineering documentation.
• "TruVerified" means a Trust Score of 80 or higher AND a recorded score-confidence value of 80% or higher, as captured in the server-side TrustScoreSnapshot record corresponding to your property page view. Both thresholds must be present in the snapshot for a search to qualify.
• "Covered Fraud" means an event where (a) the person who solicited a deposit, lease, application fee, or wire from you was not the owner of record per the relevant county appraisal district at the time of the listing on the Service, AND (b) you have a sworn police report or FBI IC3 complaint that identifies the same listing or counterparty by address and date, AND (c) you transacted directly from a property page on the Service (not from a third-party site).
• "Subscription Refund" means: for monthly subscribers, the most recent monthly subscription fee paid; for annual subscribers, one-twelfth (1/12) of the annual fee paid; for one-time TruReport SKU purchasers, the full SKU price (currently $49); in each case net of taxes already remitted, refunded via Stripe to the original payment method.
• "Calendar Year" means the period from January 1 through December 31, in U.S. Central Time.
• "Notice" from the Company to you means email to your account's primary email address PLUS an in-product banner displayed on the homepage and account-management pages for at least 14 consecutive days. Notice from you to the Company means email to [email protected].

2. Not Insurance, Not a Warranty

The Scam-Free Guarantee is a limited service credit voluntarily offered by the Company. It is not insurance, not a warranty of property title or condition, not a substitute for title insurance, escrow services, or your own due diligence, and not a regulated insurance product or service contract. Nothing in these Terms creates an insurance contract, a fiduciary relationship, or any duty beyond the express obligations stated in this document. The Company does not collect a premium for this guarantee; it is offered as a service credit alongside the Service.

3. Eligibility

To be eligible to file a claim, all of the following must be true at the time of the search that produced the Trust Score in question:

• You were a U.S. resident.
• You held an active paid plan (Basic, Realtor, or TruReport tier) OR had purchased a one-time TruReport SKU within the preceding 30 days.
• You were logged in to your account, and the Trust Score that displayed met the TruVerified definition (Section 1) as recorded in your server-side TrustScoreSnapshot.
• You did not reside in a U.S. state or territory in which this guarantee is prohibited or regulated as insurance or a service contract.

4. Covered Losses

Subject to the Exclusions in Section 5, the Company will provide a Subscription Refund (Section 1) when you experience a Covered Fraud (Section 1) directly arising from a TruVerified property page on the Service. Cash payouts beyond the Subscription Refund are suspended pending counsel review and are available only by exceptional written attorney approval (see Section 14).

5. Exclusions

The guarantee does not apply to any of the following:

• Any property page where the Trust Score was below 80 OR the score-confidence was below 80% at the time of your search, regardless of any later score change.
• Any property page where the Service displayed an explicit warning (flood-zone alert, multi-source price discrepancy flag, code-enforcement flag, etc.) that you proceeded past.
• Disputes that are not Covered Fraud, including but not limited to: bad inspections, hidden defects, post-closing buyer's remorse, breach of lease, late maintenance, security-deposit disputes, eviction proceedings.
• Free guest searches; activity by users without a paid plan or one-time TruReport SKU.
• Wire fraud at closing or escrow where the title company, escrow agent, attorney, or other closing professional's email or website was phished, intercepted, or impersonated. The Service verifies listings and listing parties; it does not verify closing communications. File those incidents with the FBI IC3 and your bank's fraud team.
• Listings or counterparties you found on Craigslist, Facebook Marketplace, classified-ad sites, or any third-party website, even if the address coincides with one viewed on the Service.
• Indirect, consequential, special, exemplary, punitive, or speculative losses, including but not limited to lost investment opportunity, lost profits, emotional distress, attorney's fees beyond filing the police report, or relocation costs.
• Claims filed more than 30 days after you discovered or reasonably should have discovered the fraud, or more than 180 days after the date of the search that produced the TruVerified Trust Score, whichever is shorter.
• Any claim that conflicts with applicable federal, state, or local law; any claim from a jurisdiction in which the guarantee is void per Section 18.

6. Proof of Loss

As a condition of coverage, you must provide all of the following with your claim:

• The exact property URL on the Service and the date and approximate time of your search.
• A sworn police report OR FBI IC3 complaint number that identifies the same listing, counterparty, or fraudulent party, dated within the time bars in Section 5.
• Bank statement, wire confirmation, ACH receipt, or equivalent documentation of the actual loss, identifying the named fraudulent party as the recipient.
• Any communications (email, text, phone records) with the fraudulent party.
• Government-issued photo identification matching the account holder of record.

The Company may request additional documentation reasonably necessary to evaluate the claim, including sworn affidavits.

7. Time Bars

Inner time bar: 30 days from the date you discovered or reasonably should have discovered the fraud. Outer time bar: 180 days from the date of the search that produced the TruVerified Trust Score, regardless of when discovery occurred. Claims received after either bar are not eligible. The Company will treat the postmark or email-delivered timestamp as the date of filing.

8. Exclusive Remedy

The Subscription Refund described in these Terms is your sole and exclusive remedy for any claim arising from or related to a TruVerified Trust Score. To the fullest extent permitted by applicable law, you waive any other remedy, whether at law or in equity, including but not limited to claims for breach of contract, breach of warranty, tort (including negligence), strict liability, misrepresentation, or violation of consumer-protection statutes, in connection with the guarantee.

9. Subrogation

Upon payment of any Subscription Refund or other amount under these Terms, you assign to the Company, and agree to execute any documents reasonably necessary to perfect, all rights to recover from the responsible party (including the fraudulent counterparty, your bank, any title company, or any insurer), up to the aggregate amount paid to you. You agree to cooperate fully with the Company's subrogation efforts.

10. Anti-Fraud / False Claims

Submission of a knowingly false or materially misleading claim, or omission of material facts, voids the guarantee in its entirety, entitles the Company to recover any amounts paid plus reasonable collection costs and attorney's fees, and may be reported to law enforcement. The Company may share claim documentation with law enforcement as part of any anti-fraud investigation.

11. Cooperation and Investigation

You agree to cooperate fully with the Company's investigation, including but not limited to producing additional documents on reasonable request, executing affidavits, providing access to relevant communications, and submitting to government-issued photo-ID verification before payment is issued.

12. Withholding Pending Investigation

The Company may suspend or delay payment for up to sixty (60) days from acknowledgement of the claim, pending fraud investigation, law-enforcement coordination, identity verification, or verification of supporting documents. Payment becomes due, if at all, upon completion of the investigation and confirmation of eligibility.

13. Caps and Limits

• Per-user cap: Subscription Refund payouts under this guarantee are capped at $500 per User per Calendar Year, in the aggregate. Cash payouts beyond Subscription Refund are not part of standard processing (see Section 14).
• Platform-wide cap: Aggregate Subscription Refund payouts in any single calendar month are capped at the lesser of (a) the sum of per-user caps for affected Users or (b) two percent (2%) of the Company's subscription revenue (gross of refunds, net of Stripe processing fees, recognized in U.S. Central Time, denominated in U.S. dollars) for that month. Claims filed when the platform-wide cap is reached are paid in the order received in the following month, without affecting any other cap or limit.

14. Cash Payouts (Suspended)

Cash payouts beyond the Subscription Refund are suspended as of the effective date above and remain suspended pending Texas-licensed attorney review of the regulatory question whether cash payouts under this program would constitute insurance or a service contract under Texas Occupations Code Chapter 1304 and TDLR regulations. Cash payouts may be reinstated, modified, or eliminated entirely after counsel review. During the suspension, exceptional cash payouts may be made only by written attorney approval naming the specific claim, recorded in the Company's operator audit log.

15. Tax Reporting

Subscription refunds returned to your original payment method are not taxable income to you. Should the Company ever pay aggregate cash amounts of $600 or more to the same payee in a Calendar Year, the Company may report such amounts on IRS Form 1099-MISC. You are responsible for any tax consequences arising from amounts paid to you under these Terms.

16. Identity Verification

Prior to issuing payment, the Company may require government-issued photo identification matching the account holder of record. The Company may decline to pay any claim where identity cannot be verified to the Company's reasonable satisfaction.

17. Existing-Claims Rule

Each claim is processed under the version of these Terms in effect on the date of the search that produced the Trust Score giving rise to the claim. If these Terms have been amended between the date of the search and the date of claim filing, the version in effect at the time of the search controls.

18. Void Where Prohibited

This guarantee is void in any U.S. state or territory in which it would be prohibited or regulated as insurance, a service contract, a warranty subject to registration, or any other regulated product. The Company is not licensed to offer regulated insurance products and does not intend to offer regulated insurance products through this guarantee. Where any part of this guarantee is held to be unenforceable in your jurisdiction, the guarantee is void in that jurisdiction without affecting its enforceability elsewhere.

19. Notice and Changes

The Company may amend these Terms at any time. Changes take effect 30 days after Notice is provided to active subscribers. The currently-effective version is published at this URL with the "Last updated" date displayed at the top.

20. Governing Law and Venue

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. Subject to Section 21 (arbitration), the exclusive venue for any action arising from or relating to these Terms is the state and federal courts located in Dallas County, Texas, and the parties consent to the personal jurisdiction of those courts.

21. Arbitration and Class-Action Waiver

Read this section carefully - it affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Scam-Free Guarantee, including the determination of the scope or applicability of this arbitration agreement, shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, with the arbitration to be conducted in Dallas County, Texas, in the English language. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver. You and the Company each agree that any arbitration or proceeding shall be limited to the dispute between the Company and you individually. To the full extent permitted by law, (a) no arbitration or proceeding shall be joined with any other, (b) there is no right or authority for any dispute to be arbitrated or resolved on a class-action or representative basis, and (c) no dispute may be brought in a purported representative capacity on behalf of the general public or any other persons.

Opt-out. You may opt out of this arbitration agreement and class-action waiver by sending a written opt-out notice to [email protected] within thirty (30) days of the date you first created your account. The opt-out notice must include your full name, the email address associated with your account, and an explicit statement that you wish to opt out. Opting out does not affect any other provision of these Terms or your use of the Service.

22. Statute of Limitations

To the fullest extent permitted by applicable law, any claim arising from or relating to these Terms or the Scam-Free Guarantee must be brought within two (2) years after the cause of action accrues, or it is permanently barred. Where applicable law does not permit shortening to two years, the shortest period permitted by law applies.

23. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable in any jurisdiction, the remaining provisions remain in full force and effect, and the unenforceable provision shall be reformed to the minimum extent necessary to render it enforceable while preserving the parties' original intent to the maximum extent possible.

24. Integration

These Terms, together with the RemotePropView Terms of Use, the Privacy Policy, and the Editorial Standards, constitute the entire agreement between you and the Company regarding the Scam-Free Guarantee and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.

25. Force Majeure

The Company is not liable for any delay or failure to perform its obligations under these Terms caused by circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, shortages, or pandemics.

26. Contact

Claims: [email protected]
Legal notices: [email protected]
General contact: [email protected]