Terms and Conditions

Effective Date: April 29, 2026

1. Acceptance of Terms

By accessing or using BasisPoint Data, you agree to these Terms and Conditions. If you do not agree, do not use the website or services.

2. Company Information

BasisPoint Data provides enterprise-grade information services, analytics platforms, mortgage rate intelligence, refinance monitoring tools, property portfolio insights, investor research tools, homeowner decision support systems, API-enabled data products, dashboards, lead management systems, and related digital services.

3. Eligibility

You must be at least 18 years old and legally able to enter binding agreements to use the website or submit requests.

4. No Financial, Legal, Tax, Lending, or Investment Advice

Content, forecasts, dashboards, benchmarks, pricing models, alerts, calculators, and portfolio analytics are for informational purposes only. BasisPoint Data is not acting as a bank, lender, mortgage broker, registered investment adviser, securities broker-dealer, attorney, accountant, or tax advisor unless expressly stated in a separate written agreement. Users remain solely responsible for independent diligence and professional consultation before making financing or investment decisions.

5. No Guarantee of Rates, Savings, Returns, Liquidity, or Opportunity

Displayed mortgage rates, refinance opportunities, payment scenarios, projected savings, property values, rent assumptions, yield models, portfolio metrics, alerts, and market opportunities may change without notice. They are estimates only and do not constitute guaranteed offers, commitments, underwriting approvals, investment returns, or liquidity outcomes.

6. User Accounts

If accounts are offered:

• You must provide accurate information.
• You are responsible for login credentials.
• You must notify us of unauthorized use.
• We may suspend or terminate accounts for misuse or security concerns.

7. Permitted Use

You agree to use the website only for lawful purposes. You will not:

• Violate laws or regulations.
• Attempt unauthorized access.
• Scrape, copy, reverse engineer, or overload systems.
• Upload malware or harmful code.
• Misrepresent identity or submit false leads.
• Interfere with other users.

8. Lead Forms and Communications

If you submit forms, request quotes, join waitlists, or request contact:

• You consent to receive emails, calls, and text messages, including automated messages where lawful.
• Consent is not a condition of purchase.
• Message and data rates may apply.
• You may opt out at any time.

9. Third-Party Services and Data Sources

We may use third-party vendors for analytics, cloud hosting, CRM, communications, identity verification, sanctions screening, payments, mapping, enrichment data, credit-related workflows, advertising, APIs, and enterprise integrations. Third-party terms, licenses, and service limitations may apply.

10. Intellectual Property

All website content, branding, text, software, graphics, logos, dashboards, compilations, and designs are owned by BasisPoint Data or licensors and protected by U.S. and international law.

11. Limited License

We grant a revocable, non-exclusive, non-transferable license to access and use the website for personal or internal business use.

12. User Content

If you submit comments, testimonials, data, feedback, or files, you grant BasisPoint Data a worldwide, royalty-free license to use, reproduce, modify, and display the content for operating and promoting services, subject to applicable law.

13. Accuracy of Information and Market Data

We aim for accuracy but do not warrant completeness, timeliness, continuity, or reliability of content, calculations, pricing feeds, property data, benchmark rates, borrower scenarios, availability data, market information, or third-party sourced records. Delays, omissions, stale data, and modeling error may occur.

14. Disclaimer of Warranties

To the fullest extent permitted by law, services are provided “as is” and “as available” without warranties of any kind.

15. Limitation of Liability

To the fullest extent permitted by law, BasisPoint Data and affiliates are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost investment opportunity, trading losses, financing costs, lost data, business interruption, or portfolio underperformance arising from use of the website or services.

16. Indemnification

You agree to defend and indemnify BasisPoint Data from claims arising from your misuse, violation of these Terms, or infringement of rights.

17. Privacy

Use of the website is also governed by the Privacy Policy below.

18. DMCA / Copyright Complaints

If you believe content infringes copyright, send notice with sufficient detail to the designated contact listed on the website.

19. Accessibility

We support reasonable efforts to maintain digital accessibility. Contact us for accessibility requests.

20. Governing Law

These Terms are governed by the laws of the United States and the state where BasisPoint Data is principally established, without regard to conflict-of-law rules.

21. Dispute Resolution

Unless prohibited by law:

• Parties will first attempt informal resolution.
• Unresolved disputes may be subject to binding arbitration.
• Claims must be brought individually, not as class actions, where enforceable.

22. California Rights Notice

California residents may have additional consumer privacy rights under California law.

23. Changes to Terms

We may update these Terms at any time. Updated versions become effective when posted.

24. Contact

Use the contact details listed on BasisPoint Data.