These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Phazr, Inc. (“Company,” “we,” “us,” or “our”), a Florida corporation, governing your access to and use of the Phazr platform, website, and related services (collectively, the “Service”).
By creating an account or accessing the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, do not use the Service.
If you are uploading documents through a secure upload link without creating an account, your upload constitutes acceptance of these Terms as they apply to that feature.
Phazr is a consumer information technology platform that provides document summarization, transaction organization, deadline tracking, and general market information functionality to residential homebuyers. The Service utilizes artificial intelligence to parse user-uploaded documents and generate plain-language restatements of their contents.
IMPORTANT — PLEASE READ CAREFULLY
All AI-generated content within the Service — including document summaries, field extractions, variance analyses, and conversational responses — constitutes automated informational output only. Such content is not legal advice, financial advice, real estate advice, tax advice, or any other form of professional advice.
The Service restates document contents in plain language. It does not interpret the legal significance of any document provision, evaluate whether any transaction term is favorable or unfavorable, or recommend any course of action. You should always consult with your licensed real estate agent, mortgage lender, attorney, or other qualified professional before making any decision related to your real estate transaction.
The Service's AI-generated content is produced by machine learning systems that, while designed to be helpful and accurate, may contain errors, omissions, misinterpretations, or inaccuracies. AI-generated content may:
You assume all risk associated with reliance on AI-generated content. The Company is not liable for any decision made or action taken by you based on AI-generated content.
The Service's Loan Estimate vs. Closing Disclosure comparison feature displays numerical differences between corresponding document fields. Where a difference exceeds regulatory tolerance thresholds established under the TILA-RESPA Integrated Disclosure Rule (TRID), the Service visually denotes the difference. Such displays are factual presentations of numerical differences and do not constitute advice regarding whether any variance is acceptable, actionable, erroneous, or indicative of lender misconduct.
To access the full Service, you must create an account by providing a valid email address and password. You represent that all information provided during registration is accurate and complete.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account.
You must be at least 18 years of age to create an account or use the Service. By creating an account, you represent and warrant that you are at least 18 years old.
Licensed real estate agents may create agent accounts to refer buyers to the Service and view high-level transaction milestone data for referred buyers. Agent accounts do not grant access to AI-generated document explanations, copilot chat transcripts, or the content of buyer-uploaded documents.
You agree to use the Service solely for the purpose of organizing and understanding your own residential real estate transaction, or, if you are a licensed agent, for the purpose of referring your buyer clients to the Service.
You agree not to:
The Service, including its design, code, AI models, extraction schemas, user interface, and documentation, is owned by Phazr, Inc. and is protected by copyright, trademark, and other intellectual property laws. These Terms do not grant you any right, title, or interest in the Service except for the limited right to use it in accordance with these Terms.
You retain ownership of all documents you upload to the Service. By uploading a document, you grant the Company a limited, non-exclusive, non-transferable license to process, analyze, store, and transmit the document to third-party AI processing providers, solely for the purpose of providing the Service to you as described in Section 7 and our Privacy Policy. This license terminates when you delete the document or your account.
AI-generated summaries, explanations, and analyses produced by the Service are provided for your personal, non-commercial use in connection with your real estate transaction. You may share AI-generated output with your agent, lender, attorney, or other transaction professionals. You may not commercially redistribute or publish AI-generated output as your own work product.
Your use of the Service is subject to our Privacy Policy, which describes how we collect, use, store, and disclose your information. Key provisions include:
Phazr currently offers a free tier for individual homebuyers. Certain features, premium tiers, or agent-specific functionality may require payment in the future. If we introduce paid features:
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR COMPLETENESS.
THE COMPANY DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) AI-GENERATED CONTENT WILL BE ACCURATE, COMPLETE, OR RELIABLE; (C) THE RESULTS OBTAINED FROM USE OF THE SERVICE WILL BE ACCURATE OR DEPENDABLE; OR (D) ANY ERRORS IN THE SERVICE WILL BE CORRECTED.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE COMPANY OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES. ACCORDINGLY, SOME OF THE ABOVE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU. TO THE EXTENT THAT THE COMPANY MAY NOT, AS A MATTER OF APPLICABLE LAW, DISCLAIM ANY IMPLIED WARRANTY OR LIMIT ITS LIABILITIES, THE SCOPE AND DURATION OF SUCH WARRANTY AND THE EXTENT OF THE COMPANY'S LIABILITY SHALL BE THE MINIMUM PERMITTED UNDER SUCH APPLICABLE LAW.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND REGARDLESS OF WHETHER THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE PAID TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100.00).
THE LIMITATIONS OF THIS SECTION SHALL APPLY REGARDLESS OF THE FAILURE OF THE ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.
NOTHING IN THESE TERMS SHALL LIMIT THE COMPANY'S LIABILITY FOR (A) FRAUD OR INTENTIONAL MISCONDUCT BY THE COMPANY; OR (B) ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property or privacy right; (d) any claim that your use of the Service caused damage to a third party; or (e) any documents you upload to the Service that you did not have the legal right to possess or share.
Before initiating any formal dispute resolution proceeding, you agree to first contact the Company at the address in Section 16 and attempt to resolve the dispute informally for a period of at least thirty (30) days.
If the dispute is not resolved informally, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (collectively, “Disputes”) shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, except that: (a) each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights; and (b) either party may bring an individual action in small claims court for disputes within the jurisdictional limits of that court.
YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.
Arbitration shall take place in the State of Florida or, at the election of the claimant, by telephone or video conference. The Company shall pay all AAA filing fees and arbitrator compensation for claims under $10,000. For claims over $10,000, filing fees and arbitrator compensation shall be allocated in accordance with AAA rules.
You may opt out of the arbitration and class action waiver provisions of this Section 12 by sending written notice to the Company at the address in Section 16 within thirty (30) days of first accepting these Terms. Your notice must include your name, account email address, and a clear statement that you wish to opt out of arbitration. If you opt out, disputes will be resolved in the state or federal courts located in the State of Florida.
You may terminate your account at any time by contacting the Company at the address in Section 16 or by using the account deletion feature within the Service, if available. Upon termination, your right to use the Service ceases immediately.
We may suspend or terminate your account and access to the Service at any time, with or without cause, with or without notice. Grounds for termination include, but are not limited to, violation of these Terms, fraudulent activity, or conduct that we reasonably believe is harmful to the Company, other users, or third parties.
Upon termination, your license to use the Service terminates. The Company will delete your account data in accordance with the data retention provisions of our Privacy Policy. Sections 3 (AI Disclaimers), 6 (Intellectual Property), 9 (Disclaimer of Warranties), 10 (Limitation of Liability), 11 (Indemnification), 12 (Dispute Resolution), 14 (Governing Law), 17 (No Third-Party Beneficiaries), and 22 (Severability) shall survive termination.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles. To the extent that litigation is permitted under Section 12, the exclusive jurisdiction and venue for any such litigation shall be the state courts located in Miami-Dade County, Florida, or the United States District Court for the Southern District of Florida, and you consent to the personal jurisdiction of such courts.
We reserve the right to modify these Terms at any time. If we make material changes, we will provide notice through the Service or by email to the address associated with your account at least thirty (30) days before the changes take effect. Your continued use of the Service after the effective date of revised Terms constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and terminate your account.
For questions about these Terms, to report an issue, or to submit legal notices:
Phazr, Inc.
Email: legal@phazr.co
Mailing Address: [Registered Agent Address or PO Box, City, FL ZIP]
Web: phazr.co
Legal notices (including arbitration opt-out notices under Section 12.5) must be sent to the mailing address above or by email to legal@phazr.co. Notices are deemed received upon delivery (for physical mail) or upon confirmed transmission (for email).
These Terms are between you and the Company. No third party — including any real estate agent, brokerage, lender, title company, or other transaction professional — is a third-party beneficiary of these Terms or has any right to enforce any provision hereof. An agent's recommendation of the Service does not make the agent a party to or beneficiary of these Terms.
You may not assign or transfer these Terms, or any rights or obligations hereunder, without the Company's prior written consent. The Company may assign these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets. Subject to the foregoing, these Terms shall bind and inure to the benefit of the parties and their respective successors and permitted assigns.
The Company shall not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, government actions, war, terrorism, labor disputes, power or internet outages, or failures of third-party service providers (including AI processing providers, cloud infrastructure providers, and payment processors).
The Service relies on third-party infrastructure and AI processing providers. The Company is not liable for service interruptions, data processing delays, or errors caused by the unavailability or malfunction of third-party services. The Company will make commercially reasonable efforts to restore the Service promptly following any such interruption.
By creating an account, you consent to receive communications from the Company electronically, including by email and in-app notifications. You agree that all agreements, notices, disclosures, and other communications that the Company provides to you electronically satisfy any legal requirement that such communications be in writing.
The failure of the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless made in writing and signed by an authorized representative of the Company.
If any provision of these Terms is held to be invalid, unenforceable, or illegal by a court of competent jurisdiction or arbitrator, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The invalidity of any provision shall not affect the validity or enforceability of the remaining provisions.
These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and the Company regarding the Service and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.
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