1. Agreement to these Terms
These Terms of Service ("Terms") are a binding agreement between you (and the organization you represent, "you") and [LEGAL ENTITY NAME] ("XCreOS", "we", "us"). By creating an account, clicking "I agree", or using xcreos.com and the Service, you accept these Terms. If you do not agree, do not use the Service. If you accept on behalf of a company, you represent that you have authority to bind it.
2. The Service
XCreOS is a web-based platform that helps multifamily real estate operators source, underwrite, operate, and dispose of deals. We may update, add, or remove features over time.
3. Not financial, investment, legal, or tax advice — important. XCreOS is a software tool for your own analysis. The outputs, models, metrics, and projections it produces (including cap rate, DSCR, IRR, returns, and similar figures) are estimates based on the inputs and assumptions you provide. XCreOS does not provide investment, financial, brokerage, legal, accounting, or tax advice; is not a fiduciary or registered adviser; and makes no guarantee of accuracy, completeness, or any financial outcome. You are solely responsible for your own investment, underwriting, and business decisions and should obtain independent professional advice. You assume all risk of decisions made using the Service.
4. Accounts & eligibility
You must be at least 18 and provide accurate information. You are responsible for your account, your credentials, and all activity under your account. Notify us promptly of any unauthorized use. One person or entity per account unless you purchase team seats.
5. Plans, fees & billing
- Free plan — provided at no charge, "as is", and may be limited, changed, or discontinued at any time.
- Pro plan — $99/month — billed monthly in advance through our payment processor, Stripe. By subscribing you also agree to the Stripe Services Agreement. Subscriptions auto-renew each cycle until cancelled.
- Taxes — fees are exclusive of taxes; you are responsible for applicable taxes.
- Cancellation & refunds — you may cancel anytime; see our Refund & Cancellation Policy.
- Price changes — we may change pricing with notice; changes apply to the next billing cycle.
- Non-payment — we may suspend or downgrade accounts with overdue balances.
6. Acceptable use
You will not: (a) break the law or infringe others' rights; (b) reverse engineer, scrape, or copy the Service except as permitted; (c) resell or provide the Service to third parties without authorization; (d) upload malware or attempt to disrupt or gain unauthorized access; (e) misuse the Service to send spam or harass; or (f) use the Service to provide regulated investment advice to third parties in violation of applicable law. We may suspend accounts that violate this section.
7. Your data & ownership
You own the deal data and content you input ("Customer Data"). You grant us a limited, non-exclusive license to host, process, and display Customer Data solely to provide and improve the Service to you and as described in our Privacy Policy. You are responsible for the accuracy and legality of your Customer Data and for having the rights to upload it. We may use aggregated, de-identified data that does not identify you or your deals to operate and improve the Service.
8. Our intellectual property
The Service, software, and brand (including the XCreOS and Cre.OS marks) are owned by us and our licensors. Except for the rights expressly granted to use the Service, no rights are transferred to you.
9. Confidentiality
Each party will protect the other's non-public information disclosed in connection with the Service and use it only as needed to perform under these Terms.
10. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE OR ITS OUTPUTS WILL BE ACCURATE, ERROR-FREE, OR UNINTERRUPTED. See also Section 3.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, XCREOS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR INVESTMENT LOSSES, ARISING FROM OR RELATED TO THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM, OR (B) US $100.
12. Indemnification
You will defend and indemnify XCreOS against third-party claims arising from your Customer Data, your use of the Service, or your violation of these Terms or applicable law.
13. Term & termination
These Terms apply while you use the Service. You may stop and delete your account anytime. We may suspend or terminate access for breach, risk, non-payment, or as required by law. On termination, your right to use the Service ends; you may request an export of Customer Data within a reasonable window before deletion (Section 6 of the Privacy Policy).
14. Changes to the Service or Terms
We may modify the Service or these Terms. Material changes to the Terms will be posted with a new effective date and, where appropriate, notified to you. Continued use after changes means you accept them.
15. Governing law & disputes
These Terms are governed by the laws of [STATE/COUNTRY], without regard to conflict-of-laws rules. The exclusive venue for disputes is the courts located in [VENUE], unless applicable law requires otherwise.
16. Contact
[email protected] · [LEGAL ENTITY NAME].