Terms of Service

Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "Subscriber," or "you") and Veritas Appraisals and Consulting, LLC ("Company," "we," "us," or "our"), the owner and operator of the Appravia platform, accessible at appravia.com ("Platform" or "Service").

Your continued use of the Service following the posting of any modifications to these Terms constitutes acceptance of those changes. We recommend reviewing these Terms periodically.

Definitions

• "Service" — the Appravia web-based software application, including all features, tools, APIs, and related services.
• "User Data" — all data, files, documents, images, notes, communications, and content submitted, uploaded, or transmitted to the Service by a User.
• "Appraisal Data" — real estate appraisal reports, work files, engagement letters, comparable sales data, AMC or lender orders, invoices, and any related professional documents.
• "Confidential Information" — any non-public information relating to a property, property owner, borrower, client, transaction, or appraisal engagement.
• "Subscription" — the paid or trial plan under which a User accesses the Service.
• "Authorized Users" — individuals granted access to a Subscriber's account.

Account Registration & Security

You must register for an account to use the Service. You agree to:

• Provide accurate, current, and complete registration information.
• Maintain and promptly update your account information.
• Keep your password confidential and not share access credentials with unauthorized persons.
• Notify us immediately at support@appravia.com of any unauthorized use of your account.
• Accept responsibility for all activities that occur under your account.

We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised or are being used in violation of these Terms.

Permitted Use & Restrictions

Permitted Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your internal business operations related to real estate appraisal order management, invoice tracking, workflow management, and related professional activities.

Restrictions

You agree that you will not:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
• Upload or transmit any data, files, or content that you do not have the legal right to share.
• Attempt to gain unauthorized access to any portion of the Service or its related systems.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service.
• Resell, sublicense, or otherwise make the Service available to any third party as a standalone product.
• Use the Service in any manner that could damage, disable, or impair the Service or its servers.
• Use automated scripts, bots, or scraping tools to access the Service without our written consent.
• Upload files containing malware, viruses, or other malicious code.

Confidential & Sensitive Data

Nature of Data

Documents and data stored within the Service may include, without limitation:

• Real estate appraisal reports and work files subject to USPAP confidentiality provisions.
• Non-public personal financial information of borrowers and property owners potentially subject to the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws.
• Lender and AMC engagement communications subject to contractual confidentiality obligations.
• Personally Identifiable Information (PII) of clients and third parties.
• Commercially sensitive fee, pricing, and business information.

Your Confidentiality Obligations

By uploading Appraisal Data or Confidential Information to the Service, you represent and warrant that:

• You have all necessary rights and permissions to store such data on a third-party platform.
• Your use of the Service does not violate any confidentiality agreement with a client, lender, AMC, or other party.
• Your use of the Service is consistent with your obligations under USPAP regarding appraisal record retention and confidentiality.
• You have obtained any required consents from individuals whose personal information is uploaded.

Our Handling of Your Data

We agree to access User Data only as necessary to provide, maintain, and support the Service; not sell, rent, or disclose your Confidential Information to third parties except as stated in our Privacy Policy or required by law; implement reasonable administrative, technical, and physical safeguards to protect User Data; and notify you of a confirmed data breach affecting your data in a timely manner consistent with applicable law.

Data Security

We implement industry-standard technical and organizational measures to protect User Data, including encryption of data in transit (TLS/HTTPS) and at rest, access controls limiting data access to authorized personnel only, regular security assessments and monitoring, and use of reputable third-party hosting and database services with their own security certifications.

Data Breach Notification

In the event of a data security breach that affects your User Data, we will notify affected Subscribers without unreasonable delay and in compliance with applicable data breach notification laws, including state-level requirements that may apply in your jurisdiction. You remain responsible for your own notification obligations to affected clients or regulatory bodies.

Data Ownership & Portability

Your Ownership

You retain full ownership of all User Data you submit to the Service. We claim no ownership rights over your appraisal reports, client files, invoices, or any other content you upload.

License to Us

By submitting User Data, you grant us a limited, non-exclusive, royalty-free license to store, process, and display your data as necessary to operate and provide the Service. This license terminates upon your account termination, subject to our data retention practices described below.

Data Export & Retention After Termination

We will make commercially reasonable efforts to provide you with the ability to export your User Data in a standard format upon request at support@appravia.com. Following account termination, we will retain your User Data for a period of 30 days, during which you may request an export. After this period, your data may be permanently deleted. We strongly recommend exporting your records prior to account closure.

Regulatory Compliance

Your Compliance Responsibility

You are solely responsible for ensuring that your use of the Service complies with all applicable laws, regulations, and professional standards, including without limitation: USPAP (including confidentiality requirements under the Ethics Rule); FIRREA and related federal appraisal regulations; GLBA (if your practice processes non-public personal financial information); state appraisal licensing laws including record-keeping requirements; applicable state privacy laws including CCPA; AMC/lender contractual data handling obligations; and the Fair Housing Act and ECOA.

No Legal or Professional Advice

Nothing in these Terms or within the Service constitutes legal, regulatory, or professional advice. We recommend consulting with qualified legal counsel and your state appraisal board regarding your specific compliance obligations.

Subscription & Payment

Subscriptions are billed on a recurring basis (monthly or annually, as selected). You authorize us to charge your designated payment method on each billing cycle. All fees are stated in U.S. dollars and are non-refundable except as expressly provided herein. You may cancel your Subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period.

Service Availability & Modifications

We will use commercially reasonable efforts to keep the Service available and operational. However, we do not guarantee any specific uptime level. We reserve the right to modify, suspend, or discontinue any feature of the Service with reasonable notice where practicable, perform scheduled and emergency maintenance, and limit or throttle usage if necessary to maintain performance for all users. We will not be liable for any losses arising from service interruptions.

Intellectual Property

The Service, including its software, design, features, interfaces, trademarks, logos, and documentation, is owned by Veritas Appraisals and Consulting, LLC and is protected by applicable intellectual property laws. Nothing in these Terms grants you ownership rights in the Service. If you submit suggestions or feedback regarding the Service, you grant us a perpetual, royalty-free, worldwide license to use and incorporate such feedback without any obligation of compensation.

Third-Party Services

The Service operates on infrastructure provided by third-party providers, including Supabase (database hosting and authentication), Vercel (application hosting), and our payment processor. Your data may be stored or processed on systems operated by these providers. We select providers that maintain their own security standards, but we are not responsible for the acts or omissions of third-party service providers.

Disclaimer of Warranties

Limitation of Liability

Indemnification

You agree to indemnify, defend, and hold harmless Veritas Appraisals and Consulting, LLC and its members, officers, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: your use of the Service; your violation of these Terms; your violation of any applicable law or professional standard including USPAP or GLBA; any violation of any third-party right; or any data you upload or transmit through the Service.

Termination

You may terminate your account at any time by canceling through your account settings or by contacting us. We may suspend or terminate your access immediately without prior notice if you materially breach these Terms and fail to cure such breach within 10 days of written notice, if your use poses a security or legal risk, as required by law, or if you fail to pay applicable fees. Upon termination, your right to access the Service ceases immediately.

Dispute Resolution

Informal Resolution

Before initiating any formal proceeding, you agree to first contact us at legal@appravia.com and provide a written description of your dispute. We will attempt to resolve the dispute informally within 30 days.

Binding Arbitration

If informal resolution fails, any dispute arising out of or relating to these Terms shall be resolved by binding arbitration administered by JAMS under its applicable rules, rather than in court. The arbitration shall be conducted in Johnson County, Kansas, or via videoconference, and shall be conducted by a single arbitrator.

Class Action Waiver

YOU AGREE TO RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS AND WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. Either party may seek emergency injunctive or equitable relief in a court of competent jurisdiction to prevent irreparable harm without waiving the right to arbitrate.

Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Kansas, without regard to its conflict of law provisions. To the extent any matter proceeds in court rather than arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Johnson County, Kansas.

Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will post a notice within the Service dashboard, send an email to the address associated with your account, and update the "Last Revised" date at the top of this page. Changes become effective 14 days after notice is provided. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

Miscellaneous

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Veritas Appraisals and Consulting, LLC regarding the Service. If any provision is found unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force. You may not assign your rights or obligations under these Terms without our prior written consent.