Terms of Service

1. Agreement

These Terms of Service (“Terms”) are a contract between you and Papuc (“Papuc,” “we,” “us”) governing access to papuc.app and related apps, APIs, and services (the “Service”). By creating an account, clicking “I agree,” or using the Service, you accept these Terms, our Privacy Policy, and our Acceptable Use Policy.

If you use Papuc on behalf of an organization, you represent that you have authority to bind that organization.

2. What Papuc is (and is not)

Papuc is software that helps you evaluate rental and related real-estate investment scenarios (for example DSCR, cash flow, and returns), scout candidate properties using third-party data sources or information you provide, and optionally collaborate with other users (follow, watch public projects, share links, and—on paid plans—invite collaborators).

Papuc is not:

• a real estate broker, agent, or brokerage;
• a Multiple Listing Service (MLS), IDX display, or official listing portal;
• an investment adviser, broker-dealer, crowdfunding portal, or securities exchange;
• a lender, appraiser, inspector, or tax, legal, or accounting adviser.

No client, dual-agency, fiduciary, or advisory relationship is created by using Papuc. See also our Data & Listings Disclaimer.

3. Eligibility

You must be at least 18 years old and able to form a binding contract. The Service is intended for lawful personal or business use related to evaluating real estate investments. You are responsible for complying with laws that apply to you (including licensing laws if you are a real estate professional).

4. Accounts

We use Google OAuth via Supabase Auth. You must keep your account secure and accurate. You are responsible for activity under your account. We may suspend or terminate accounts that violate these Terms or the Acceptable Use Policy.

5. Plans and payment

Papuc may offer Free and Pro (or other) tiers. Feature limits—such as project caps, background scouting, exports, or collaborator invites—are described in the product. Paid billing (when enabled) is handled by our payment processor; fees, renewals, and cancellations will be shown at checkout. Admin-granted Pro access may be revoked.

6. Your content and public sharing

You retain ownership of prompts, project settings, notes, and other content you submit (“User Content”). You grant Papuc a worldwide, non-exclusive license to host, process, display, and distribute User Content as needed to operate the Service (including public projects and share links you enable).

If you mark a project public or share a link, you understand others may view associated deals and metrics. You represent that you have the rights to share what you publish and that doing so does not violate law or third-party rights (including listing photo and remark copyrights).

7. Third-party data and models

The Service may retrieve property or listing-related information from third-party providers (for example automated retrieval of publicly available web pages, property-record APIs, rent or STR estimates, and AI model providers). Those sources may be incomplete, stale, or inaccurate. Papuc does not warrant listing status, price, or availability.

Model outputs (DSCR, cash-on-cash, condition notes, rankings, and similar) are estimates for evaluation only—not appraisals, lender quotes, or offers to buy or sell property. Always verify with primary sources, your agent, and a licensed lender before acting.

You must not use Papuc outputs to make credit, insurance, employment, housing eligibility, or other decisions regulated by the Fair Credit Reporting Act (FCRA) or similar laws.

8. Social features

Follow, watch, public feeds, and collaborator invites are tools for sharing evaluation work. They do not create a partnership, joint venture, or securities offering. Any future features involving capital commitments or pooled investing will be subject to additional terms and applicable securities laws; do not treat current social features as an invitation to invest through Papuc.

9. Intellectual property

Papuc, its software, branding, and documentation are owned by us or our licensors. Third-party listing content, photos, and trademarks remain with their owners. You may not scrape, bulk-export, or republish Papuc’s compiled datasets except as the product expressly allows (for example exporting your own pro-forma).

10. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not guarantee uninterrupted service or error-free data.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PAPUC AND ITS OPERATORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

12. Indemnity

You will defend and indemnify Papuc against claims arising from your User Content, your misuse of listing or third-party data, your violation of these Terms or law, or your use of Papuc in connection with unlicensed brokerage, unregistered securities offerings, or similar activity.

13. Termination

You may stop using the Service at any time. We may suspend or terminate access for violations, risk, or operational reasons. Some sections survive termination (including IP, disclaimers, liability limits, and indemnity).

14. Changes

We may update these Terms by posting a new version and updating the version date. Material changes may require you to re-accept before continuing to use the Service.

15. Contact

Questions: support@papuc.app or Support.