Terms of Use - TruReport

Effective Date: April 8, 2026

Disclaimer: This document is for informational purposes only and does not constitute legal advice. You should consult with a legal professional to ensure compliance with all applicable laws.

1. Acceptance of Terms

By creating an account, accessing, or using TruReport (the "Service"), you agree to be bound by these Terms of Use ("Terms"), our Privacy Policy, and any additional policies or notices we provide in connection with the Service. If you do not agree to these Terms, you may not use the Service.

2. Description of Service

TruReport provides property search, reporting, analytics, research, and location insight features. The Service uses a combination of first-party content, user-generated content, third-party property or public-source data, and AI-assisted tools. Features may change over time, may be unavailable in some markets, and may be subject to account-tier, plan, export, or usage limits.

3. User Accounts

• Account Creation: You must provide accurate, current, and complete information when registering and keep your information updated.
• Account Security: You are responsible for safeguarding your password, devices, and account access. You must promptly notify us of any suspected unauthorized use.
• Eligibility: You must be legally capable of entering into a binding agreement and using the Service under applicable law.
• Suspension or Termination: We may suspend, restrict, or terminate access where reasonably necessary to protect the Service, investigate abuse, enforce these Terms, comply with law, or address billing or security issues.

4. Subscriptions and Payments

• Subscription Plans: We may offer free, trial, and paid plans with different features, search limits, export privileges, and access controls.
• Billing Authorization: By starting a paid plan, you authorize recurring charges and any applicable taxes, fees, overage charges, or prorations disclosed at checkout or in-product.
• Payment Processor: Billing is handled through third-party payment processors such as Stripe. Their terms and privacy practices also apply to payment processing.
• Trials and Promotions: Trials, credits, discounts, and promotions are optional, may be changed or ended, and may be subject to eligibility rules and automatic conversion into paid plans unless canceled in time.
• Cancellations and Refunds: Cancellation timing, refund eligibility, and billing-cycle effects depend on your plan, purchase timing, and applicable law. Promotional or abuse-related refunds may be denied where permitted by law.

5. Content and Data

• Third-Party Data: The Service may incorporate data from third-party providers, public records, public websites, and APIs. We do not own all third-party data presented through the Service, and we do not guarantee that third-party data is complete, accurate, current, or suitable for any specific use.
• AI-Assisted Output: Portions of the Service use AI to summarize, extract, or generate content. AI output can be incomplete, stale, biased, or incorrect and should not be treated as legal, appraisal, lending, investment, or professional advice.
• User Content: You retain ownership of content you submit or save, such as notes, ratings, tags, saved searches, and report inputs. You grant us a non-exclusive license to host, store, reproduce, process, and display that content as needed to operate and improve the Service.
• Shared Reports: If you generate a share link, anyone with the link may be able to access the associated report content until the underlying note is deleted or the link is otherwise disabled by us.
• Our Content: Our original software, branding, interface design, curated research, and first-party content are protected by intellectual property law and remain the property of Goals and Gambles LLC or its licensors.
• Limited Content Fingerprinting: Certain proprietary insight or research content may include invisible identifiers, rate controls, access logs, or similar protective measures intended to deter unauthorized reuse.
• AI Training Prohibition: Except where we expressly authorize it in writing, you may not use our original content, guides, research, interface content, or protected outputs to train, fine-tune, benchmark, or improve AI or machine-learning systems.

6. Commercial Use License

Unless your plan or a separate written agreement says otherwise, the Service is licensed for your internal use. Data resale, redistribution, sublicensing, white-label use, or use as a backend data feed requires our prior written approval.

7. Prohibited Uses

You agree not to:

• Use the Service for any unlawful purpose or in violation of any local, state, national, or international law.
• Scrape, crawl, spider, or use any automated means (including bots, scripts, browser extensions, or AI agents) to access, extract, copy, or download any content from the Service.
• Reverse-engineer, decompile, or otherwise attempt to extract the source code, algorithms, or data structures of the Service.
• Reproduce, republish, or redistribute our original proprietary research or protected platform content except as expressly allowed by us in writing.
• Use our protected content to train, fine-tune, or improve any artificial intelligence or machine learning model.
• Circumvent, disable, or interfere with any technical protection measures implemented by the Service (including robots.txt, rate limiting, bot detection, or content fingerprinting).
• Use the Service or its outputs to build a competing product or substitute data service using our protected content or access patterns beyond what your plan permits.
• Share your account credentials or allow others to use your account.
• Misrepresent your identity or affiliation with any person or entity.

8. Disclaimers and Limitation of Liability

• The Service is provided "as is" and "as available" without warranties of any kind, to the fullest extent permitted by law.
• We do not warrant that the Service will be uninterrupted, error-free, always available, or suitable for legal, underwriting, valuation, appraisal, investment, or regulatory use.
• You are responsible for independently verifying material facts before making financial, legal, leasing, lending, purchase, or investment decisions.
• To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, punitive, or exemplary damages, or for lost profits, data, goodwill, or business opportunity arising out of or related to your use of the Service.

9. Changes to Terms

We may modify these Terms at any time. Material changes take effect 30 days after we provide notice (email to your account's primary address plus an in-product banner displayed on the homepage and account-management pages for at least 14 consecutive days). Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

10. Incorporation of the Scam-Free Guarantee

The Scam-Free Guarantee Terms published at /legal/guarantee-terms are incorporated by reference into these Terms in their entirety. The marketing summary at /guarantee is provided for convenience; in any conflict between the marketing summary and the Scam-Free Guarantee Terms, the legal Terms at /legal/guarantee-terms control. The Scam-Free Guarantee is a limited service credit, not insurance, not a warranty of property condition, and not a substitute for title insurance, escrow services, or your own due diligence.

11. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. The federal Arbitration Act (FAA), 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of Section 13 (Arbitration and Class-Action Waiver).

12. Venue

Subject to Section 13 (Arbitration), the exclusive venue for any action arising from or relating to these Terms or the Service is the state and federal courts located in Dallas County, Texas. You and we each consent to the personal jurisdiction of those courts and waive any objection based on forum non conveniens or improper venue.

13. 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, the Service, 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. Arbitration shall be conducted in Dallas County, Texas, in the English language, by a single arbitrator selected per AAA rules. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver. You and we each agree that any arbitration or proceeding shall be limited to the dispute between us 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.

14. Statute of Limitations

To the fullest extent permitted by applicable law, any claim arising from or relating to these Terms, the Service, 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.

15. 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. The invalidity of any provision in one jurisdiction does not affect the validity of that provision in any other jurisdiction.

16. Force Majeure

Neither party is 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 or infrastructure failures, third-party API outages, strikes, shortages, or pandemics. The affected party will use commercially reasonable efforts to resume performance promptly.

17. Integration / Entire Agreement

These Terms, together with the Privacy Policy, the DMCA Policy, the Editorial Standards, and the Scam-Free Guarantee Terms (each incorporated by reference), constitute the entire agreement between you and Goals and Gambles LLC regarding the Service and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.

18. Contact Information

For questions about these Terms, contact us through our Help page, at [email protected], or for legal issues at [email protected].