The agreement

01Who this is between

StormRiver Real Estate LLC, a Georgia limited liability company trading as Negotiation Inc (“Negotiation Inc”, “we”, “us”) makes underwriting software for people buying and selling residential property — the desk, the comparison workbench, the eight-exits course and the arcade, together the “service”.

These terms are the agreement between us and you, whether you use the free desk with no account, hold a free account, or pay for a plan. Using the service means you accept them. If you are using it for a company, you are telling us you are allowed to accept them on that company's behalf.

You need to be at least 18. The service is not built for, marketed to, or usable by children.

02What the service actually does

You type in what a house costs, what it needs and what it might sell for. The software runs the arithmetic on eight exits — wholesale, flip, wholetail, hold, BRRRR, subject-to, novation and lease option — and shows you which one clears, by how much, and how far the inputs can move before it stops clearing.

It shows its working. Every figure on the page can be traced to a number you entered or an assumption you can see and change. Where a plan adds automated comparable sales, a photo condition read or a written comparison, those are labelled as estimates and their sources are named on the page that produced them.

The free desk keeps nothing

Used without an account, the desk stores your work in your own browser and nothing is transmitted to us. Clearing your browser data deletes it. There is no copy on our side to recover, because there was never a copy on our side.

03Your account

An account gives your work a home: it syncs, it survives the browser, and it holds more than one property. To open one we need a name and an email address.

• Keep your login details to yourself. Anything done through your account is treated as done by you.
• Tell us at support@negotiationinc.com if you think someone else is in it.
• One account is for one person. Team seats are what The Office plan is for — sharing a single login around an office is a breach of these terms and, more practically, it makes the audit trail useless.
• Give us an address you actually read. Billing notices, price changes and security notices go there.

04Plans, trials and payment

The desk is free forever with no card and no expiry. Paid plans are set out on the plans page, and the price shown there when you subscribe is the price you pay.

The trial

The fourteen days start when you subscribe, not when you register. Checkout puts a card on file and charges nothing until day fifteen; cancel before then and you are not charged at all. Nothing is deleted when a trial or a subscription ends — the account drops to the free desk and your sheets stay where they are, with the paid features closed until you subscribe.

Billing

Subscriptions run monthly, in advance, and renew automatically until cancelled. Payments are handled by Stripe; we never see or hold your card number. Prices are exclusive of sales tax and VAT, which are added where the law requires it.

If a price changes

We will tell you by email at least 30 days before a price change affects you, and you can cancel before it takes effect. Where we have published a promise that a price is locked for existing subscribers — as we have for the Underwriter plan — we keep it.

Cancellation, refunds and what happens to unpaid invoices are set out on the billing and refunds page, which is part of this agreement.

05What you may do with it

While your account is in good standing we give you a personal, non-exclusive, non-transferable right to use the service for your own property business — including work you do for clients, and including printing the lender packet and putting it in front of a lender, partner or seller.

The output is yours to use commercially. We do not ask for a credit line, a watermark or a share of the deal.

06What you may not do

• Resell, sublicense, white-label or rent access to the service, or run it as a service for other people, unless we have agreed that in writing.
• Scrape, spider or bulk-extract the service, or run automated requests against it beyond ordinary use.
• Reverse-engineer it, or copy its interface or data model to build a competing product.
• Share one login between people. Buy the seats.
• Use it to break the law — including fair-housing law, consumer-protection law, and the licensing rules that apply to real estate, mortgage brokering and appraisal where you operate.
• Upload photographs or documents you have no right to upload.
• Interfere with the service or with anyone else's use of it.

If you do any of this we may suspend or close the account. Where the breach is one that can be fixed and did not cause harm, we will ask you to fix it first.

07Your work stays yours

Everything you put into the service — addresses, figures, notes, photographs, comparable sales you enter — remains yours. We claim no ownership of it.

You give us the narrow permission we need to run the product: to store your work, show it back to you, sync it between your devices, and pass what a feature needs to the provider that powers that feature — a photograph to the model that reads condition, an address to the comparables provider. That permission exists only to deliver the feature you asked for and ends when you delete the data.

We do not train on your deals

Your sheets, photographs and notes are not used to train any machine-learning model, ours or anyone else's, and are not sold, licensed or handed to data brokers. The privacy page sets out exactly who touches what.

Anonymous market statistics

We may compute aggregate statistics across the service — for example, the typical spread on flips in a metro this quarter — and publish or use them. These are computed so that no individual, property or deal can be identified from them, and any figure that could identify a single user or address is excluded rather than published.

The software is ours

The service, its interface, its arithmetic, its artwork and its writing belong to us. Nothing here transfers any of it to you.

08This is not advice

In particular:

• An ARV is not an appraisal. It is an estimate built from comparable sales and adjustments that are shown to you on the page. It is not a Uniform Standards of Professional Appraisal Practice appraisal, it is not a broker price opinion, and it must not be represented as either to a lender, a court, an insurer or a seller.
• A repair estimate is not a contractor's bid. It is a cost model across seventeen systems. Get a bid.
• A condition read from photographs is a guess made by a machine that has seen photographs. It cannot see behind a wall, under a floor, or into a panel. It is a starting point for an inspection, not a substitute for one.
• Subject-to, novation and lease-option strategies carry legal and lender risk — including due-on-sale clauses, disclosure obligations and licensing rules that differ by state. The course explains how they work. It does not tell you they are legal where you are. Ask a lawyer in your state before you use one.

Property investment can lose money, including more than you put in where borrowing is involved. Every decision you make using this software is yours, and you are responsible for the professional advice you seek before making it.

09Where the numbers come from, and what that means

Some figures in the service are supplied by third parties: comparable sales and rent estimates come from RentCast, aerial and street-level imagery comes from Google Maps, and the photo condition read and written comparison are produced by Anthropic's models. Others are our own priors, built from public data and stated as ranges.

Third-party data may be incomplete, out of date or wrong, and machine-generated text can be confidently mistaken. We do not warrant the accuracy of any of it. Where a figure comes from outside, the page that shows it says so, and where a figure is an estimate the page says that too. Check anything you are about to act on against the county record, the MLS or a person with a license.

Where a feature depends on a third party, its availability depends on that third party. If a provider changes its terms, its prices or its availability we may have to change or withdraw the feature; if that removes something material from a plan you are paying for, you may cancel and we will refund the unused part of the period.

10Changes to the service

We improve the product continuously, which means it changes. Features get added, moved and occasionally removed. We will not remove something material from a paid plan without telling paying subscribers by email first, and giving them the option in the paragraph above.

We aim to keep the service available, but we do not promise it will never be down. Maintenance, provider outages and things outside our control happen. There is no uptime guarantee on any plan.

11Suspension, closure and getting your work out

You can close your account at any time from the account panel or by writing to support@negotiationinc.com.

We may suspend or close an account for a serious breach of section 6, for non-payment after we have asked, or where we are legally required to. Except where the law prevents it, we will tell you and say why.

Before your data goes, you can export all of it — every sheet, comp and note — as a file, at any time, from within the product. After closure we keep it for 30 days in case you come back, then delete it. If you want it gone immediately, ask and we will do that instead.

Sections 7 (your work), 8 (not advice), 12 to 16 and anything else that by its nature should outlive the agreement, do.

12Warranties

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 that the service will be uninterrupted, error-free, or that any figure it produces will be accurate.

Some jurisdictions do not allow the exclusion of certain warranties. Where that is true of yours, this section applies to the greatest extent it is permitted to, and your statutory rights as a consumer are unaffected.

13Limitation of liability

To the fullest extent the law allows, we are not liable for any indirect, incidental, special, consequential or punitive loss, or for lost profit, lost revenue, lost opportunity, lost data or the cost of substitute services, arising out of or connected with the service — including where a deal you underwrote here loses money.

Our total liability to you for all claims in any twelve-month period is limited to the amount you actually paid us in that period, or one hundred US dollars if you paid us nothing.

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited.

14Indemnity

You agree to cover us against claims, losses and reasonable legal costs arising from your use of the service in breach of these terms or of the law — including any claim that something you uploaded infringed someone's rights, and any claim arising from how you presented the software's output to a third party.

15Disputes and governing law

These terms are governed by the laws of the State of Georgia, without regard to its conflict-of-laws rules. Disputes go to the state and federal courts located in Georgia, and we each agree to that jurisdiction.

Before filing anything, write to support@negotiationinc.com with what happened and what you want. Most things are a misunderstanding and a refund, and we would rather find that out in an email than in a filing.

If you are a consumer resident in a country whose law gives you the right to bring proceedings in your own courts, that right is unaffected by this section.

16Changes to these terms

We may update these terms. If a change materially affects your rights, we will email account holders at least 30 days before it takes effect and the date at the top of this page will change. Continuing to use the service after that date means the new version applies. If you would rather not accept it, cancel before it takes effect and we will refund the unused part of the period you have paid for.

Older versions are kept and available on request — you should be able to see what you agreed to at the time.

17Getting hold of us