Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using the Estara-AI platform ("Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, you may not access or use our Service.

1.1 Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding agreements to use our Service. By using our Service, you represent and warrant that you meet these eligibility requirements.

1.2 Modifications

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or platform notification. Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms.

2. Description of Service

2.1 Platform Overview

Estara-AI provides an AI-powered real estate investment analysis platform that offers:

• Investment scenario modeling and financial projections
• Market data analysis and property valuation tools
• Portfolio optimization and risk assessment features
• Educational resources and investment insights
• Comparative analysis between different investment strategies

2.2 Service Availability

We strive to maintain high service availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or technical issues.

3. Investment Disclaimer and Risk Warning

3.1 Educational and Research Purposes Only

The Service is provided solely for educational and research purposes. Estara-AI does not provide investment advice, financial advice, or real estate brokerage services. All analysis, projections, and recommendations generated by our platform are for informational purposes only and should not be construed as professional investment advice.

3.2 No Investment Recommendations

Estara-AI does not:

• Provide personalized investment advice or recommendations
• Act as a fiduciary or investment advisor
• Make buy, sell, or hold recommendations for specific properties
• Guarantee investment returns or performance
• Provide tax, legal, or financial planning advice

3.3 Investment Risks

ALL INVESTMENT DECISIONS CARRY SIGNIFICANT RISK. Real estate investments involve substantial risk of loss, including but not limited to:

• Market Risk: Property values may decline due to economic conditions, market changes, or local factors
• Liquidity Risk: Real estate investments are illiquid and may be difficult to sell quickly
• Interest Rate Risk: Changes in interest rates may affect property values and financing costs
• Operational Risk: Vacancy rates, maintenance costs, and property management issues
• Regulatory Risk: Changes in laws, regulations, or tax policies
• Location Risk: Local economic conditions, neighborhood changes, or natural disasters
• Leverage Risk: Borrowed funds amplify both gains and losses

3.4 User Responsibility

YOU ARE SOLELY RESPONSIBLE FOR ALL INVESTMENT DECISIONS AND THEIR CONSEQUENCES. Before making any investment decisions, you should:

• Consult with qualified financial advisors, real estate professionals, and legal counsel
• Conduct your own independent research and due diligence
• Consider your financial situation, risk tolerance, and investment objectives
• Understand all risks associated with real estate investments
• Verify all data and assumptions used in your analysis

3.5 No Liability for Investment Decisions

ESTARA-AI BEARS NO LIABILITY OR RESPONSIBILITY FOR ANY INVESTMENT DECISIONS, LOSSES, OR CONSEQUENCES RESULTING FROM THE USE OF OUR SERVICE. You acknowledge and agree that:

• All investment decisions are made at your own risk
• Past performance does not guarantee future results
• Market conditions and property values can change rapidly
• Our analysis may contain errors, inaccuracies, or outdated information
• You assume full responsibility for any financial losses

4. Data Accuracy and Limitations

4.1 Data Sources

Our platform uses data from various sources including:

• Public databases and government sources
• Third-party data providers
• User-provided information
• Market research and analysis

4.2 Data Limitations

We do not guarantee the accuracy, completeness, or timeliness of any data or analysis. Data may be:

• Outdated or delayed
• Incomplete or missing
• Subject to errors or inaccuracies
• Based on estimates or assumptions
• Affected by market volatility and changing conditions

4.3 AI Analysis Limitations

Our AI-powered analysis is based on historical data and statistical models. AI predictions and recommendations:

• Are not guaranteed to be accurate or reliable
• May not account for all relevant factors
• Are subject to model limitations and biases
• Should not be the sole basis for investment decisions

5. User Accounts and Responsibilities

5.1 Account Creation

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

5.2 Prohibited Uses

You may not use our Service to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful or malicious code
• Attempt to gain unauthorized access to our systems
• Use the Service for any illegal or unauthorized purpose
• Interfere with or disrupt the Service
• Resell or redistribute our Service without permission

6. Intellectual Property Rights

6.1 Our Intellectual Property

Estara-AI owns all rights, title, and interest in and to the Service, including:

• Software, algorithms, and AI models
• User interface and design elements
• Proprietary data and analysis methods
• Trademarks, logos, and branding
• Documentation and content

6.2 User Content

You retain ownership of data you input into our Service. By using our Service, you grant us a limited license to use your data to provide and improve our Service.

6.3 Third-Party Content

Our Service may include content from third parties. We are not responsible for third-party content and do not endorse or guarantee its accuracy.

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to the collection and use of your information as described in our Privacy Policy.

8. Subscription and Payment Terms

8.1 Subscription Plans

We offer various subscription plans with different features and limitations. Subscription terms, pricing, and features are subject to change with notice.

8.2 Payment Terms

For paid subscriptions:

• Fees are billed in advance on a recurring basis
• All fees are non-refundable unless otherwise stated
• You are responsible for all applicable taxes
• We may change pricing with 30 days' notice

8.3 Cancellation

You may cancel your subscription at any time. Cancellation will take effect at the end of your current billing period. You will retain access to paid features until the end of your billing period.

9. Limitation of Liability

9.1 Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9.2 Maximum Liability

IN NO EVENT SHALL ESTARA-AI'S TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE TWELVE MONTHS PRECEDING THE CLAIM.

9.3 Investment Losses

ESTARA-AI SHALL NOT BE LIABLE FOR ANY INVESTMENT LOSSES, FINANCIAL DAMAGES, OR CONSEQUENCES RESULTING FROM INVESTMENT DECISIONS MADE BASED ON OUR SERVICE.

10. Indemnification

You agree to indemnify, defend, and hold harmless Estara-AI and its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any investment decisions or actions you take

11. Termination

11.1 Termination by You

You may terminate your account at any time by contacting us or using account deletion features.

11.2 Termination by Us

We may terminate or suspend your account immediately, without prior notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Any other reason at our sole discretion

11.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. We may delete your account and data, though some information may be retained as required by law.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of the State of Illinois, United States, without regard to conflict of law principles.

12.2 Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12.3 Class Action Waiver

You agree that any arbitration or legal proceeding will be limited to the dispute between you and Estara-AI individually. You waive any right to participate in class action lawsuits or class-wide arbitration.

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Estara-AI regarding the Service.

13.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

13.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.

13.4 Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign these Terms without restriction.

14. Contact Information

If you have questions about these Terms of Service, please contact us:

15. Acknowledgment