Terms of Service

By accessing or using the OwnerLift platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. OwnerLift, Inc. ("OwnerLift," "we," "us," or "our") reserves the right to modify these Terms at any time. We will provide notice of material changes via email or prominent notice on the platform. Your continued use of the Service after such changes constitutes acceptance of the revised Terms.

You must be at least 18 years of age to use OwnerLift. By using the Service, you represent and warrant that: • You are at least 18 years old. • You have the legal capacity to enter into binding contracts. • You will use the Service in compliance with all applicable laws and regulations. • You will not use the Service for any fraudulent, illegal, or unauthorized purpose. OwnerLift reserves the right to terminate accounts and refuse service to anyone for any reason at any time.

To access certain features, you must create an account. You are responsible for: • Providing accurate, current, and complete account information. • Maintaining the confidentiality of your login credentials. • All activity that occurs under your account. • Notifying us immediately of any unauthorized use of your account at [email protected]. OwnerLift is not liable for any loss or damage arising from your failure to protect your account credentials.

Seller Responsibilities: Sellers are solely responsible for the accuracy, legality, and completeness of their listings. By posting a listing, you represent and warrant that: • You own or have the legal right to sell the listed item. • All information provided is accurate and not misleading. • The item is not subject to any undisclosed liens, encumbrances, or legal disputes. • Your listing complies with all applicable laws, including consumer protection and truth-in-advertising laws. Prohibited Listings: You may not list items that are stolen, counterfeit, subject to recall without disclosure, or otherwise illegal to sell. OwnerLift reserves the right to remove any listing at any time without notice. Content License: By posting content on OwnerLift, you grant us a non-exclusive, royalty-free, worldwide license to use, display, and distribute such content in connection with operating the Service.

OwnerLift facilitates direct owner-financing arrangements between buyers and sellers. OwnerLift is not a lender, bank, or financial institution. We are a technology platform that provides tools to help parties structure, document, and manage private financing arrangements. • No Financial Advice: Nothing on OwnerLift constitutes financial, legal, or tax advice. Users should consult qualified professionals before entering into financing agreements. • Contract Generation: OwnerLift provides automated contract generation as a convenience tool. Generated contracts are templates and may not be suitable for all transactions or jurisdictions. Users are strongly encouraged to have contracts reviewed by qualified legal counsel. • Payment Processing: OwnerLift may facilitate payment processing through third-party providers. We are not responsible for disputes arising from failed or delayed payments. • Default & Enforcement: OwnerLift is not responsible for enforcing financing agreements. In the event of default, parties must pursue remedies through appropriate legal channels.

OwnerLift may charge fees for certain features, including listing promotions, featured placements, and transaction facilitation services. All fees are disclosed prior to purchase. • Listing Fees: Basic listings are free. Premium placement options are available for a fee. • Transaction Fees: OwnerLift may charge a platform fee on successfully completed transactions. Fee schedules are posted in your account settings. • Refunds: Fees for promotional placements are non-refundable once a listing goes live. Transaction fees are non-refundable once a contract is executed. All prices are in U.S. dollars. You are responsible for any applicable taxes.

You agree not to: • Post false, misleading, or fraudulent listings or information. • Harass, threaten, or intimidate other users. • Use the platform to transmit spam, malware, or unsolicited communications. • Attempt to circumvent OwnerLift's fee structure by taking transactions off-platform after initial contact. • Scrape, crawl, or use automated tools to access the Service without express written permission. • Impersonate any person or entity or misrepresent your affiliation with any person or entity. • Use the Service in any manner that violates applicable local, state, national, or international law. Violations may result in immediate account suspension or termination and may be reported to law enforcement.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. OWNERLIFT DOES NOT WARRANT THAT: • The Service will be uninterrupted, error-free, or secure. • Any listing information is accurate, complete, or current. • Any financing arrangement will be successfully completed. OWNERLIFT DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OWNERLIFT AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE. IN NO EVENT SHALL OWNERLIFT'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO OWNERLIFT IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100.

Informal Resolution: Before filing a formal claim, you agree to contact us at [email protected] and attempt to resolve the dispute informally for at least 30 days. Arbitration: If informal resolution fails, any dispute arising from these Terms or the Service shall be resolved by binding arbitration under the rules of the American Arbitration Association (AAA), conducted in Phoenix, Arizona. Class Action Waiver: You waive any right to participate in a class action lawsuit or class-wide arbitration. Governing Law: These Terms are governed by the laws of the State of Arizona, without regard to conflict of law principles.

OwnerLift may suspend or terminate your account and access to the Service at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Service ceases immediately. Sections 5, 8, 9, and 10 survive termination.

If you have questions about these Terms, please contact us: OwnerLift, Inc. Email: [email protected] Address: 123 Main Street, Suite 100, Phoenix, AZ 85001