Closing Intel
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Terms of Service

Effective date: July 22, 2026

These Terms of Service ("Terms") are a binding agreement between Pages By David ("Closing Intel," "we," "us") and the business or person who creates an account to use the Service ("Customer," "Broker," "you"). By creating an account or using the Service, you agree to these Terms. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization.

Buyers (people who use a listing's Q&A) are governed by Section 12 (Buyer Terms of Use) and do not need an account.

1. The Service

Closing Intel is software that lets a Broker upload documents for a specific listing and publish a link where an email-verified prospective buyer can ask questions. An AI generates answers only from the documents the Broker uploaded for that listing, declines questions it cannot answer from those documents, refers the buyer to the Broker, and displays a disclaimer with every answer.

2. Closing Intel is a software provider — not a broker or advisor

Closing Intel is a technology vendor. We are not a real estate broker, business broker, broker-dealer, investment adviser, or agent, and we do not provide brokerage, legal, financial, tax, or investment advice. We are not a party to any transaction between a Broker and a buyer, we do not represent any party, and we do not handle listings, negotiations, commissions, escrow, or funds.

You are solely responsible for your own regulatory compliance. You represent and warrant that you hold all licenses and registrations required for your activities, and that your use of the Service — including the content you upload and the answers it enables about your listings — complies with all laws and professional rules that apply to you, including real estate and business-brokerage advertising and disclosure rules, franchise and securities laws where applicable, fair-housing laws, and consumer-protection laws. You are responsible for the content, accuracy, and legality of everything you upload and publish.

3. Your account and organization

You must provide accurate information and keep your credentials secure. You are responsible for activity under your account and for your organization's members and their roles (for example, administrators who set branding and manage members, and agents who create and run listings). You must promptly notify us of any unauthorized use.

4. Acceptable use

You agree not to, and not to permit anyone to:

  • upload content you do not have the right to upload or share, or that is unlawful, infringing, or misleading;
  • upload malware, or attempt to breach, probe, overload, or circumvent the Service's security, rate limits, tenant isolation, or usage caps;
  • use the Service to access another organization's data;
  • attempt to make the AI answer from anything other than your listing's documents, or to defeat its safeguards or disclaimers;
  • use the Service to violate any law or third-party right; or
  • resell or provide the Service to third parties except as expressly permitted.

5. Your content

You retain ownership of the documents and content you upload ("Customer Content"). You grant us a limited license to host, process, index, and display Customer Content, and to transmit relevant excerpts to our AI and infrastructure providers, solely to provide the Service to you. You represent that you have all rights and permissions necessary to upload each document and to allow verified buyers to receive answers drawn from it.

Operator access. Authorized Closing Intel personnel may access Customer Content and related Service data (including Buyer conversation transcripts) as needed to provide support, ensure quality and safety, prevent abuse, and maintain the Service, as described in our Privacy Policy. Such access is logged. We do not use one customer's Customer Content for the benefit of another customer.

6. AI answers — important limitations

  • Best-effort, not guaranteed. The AI is designed to answer only from your listing's documents, but automated answers can be incomplete, out of date, or wrong. The grounding safeguards are best-effort and are not a guarantee of accuracy or completeness.
  • Not advice. Answers are informational only and are not financial, legal, investment, tax, or professional advice, and are not an offer, solicitation, or a substitute for the underlying documents or for professional or brokerage advice.
  • Verify with the Broker. Every answer instructs buyers to verify details with the Broker. The definitive information is the source document and the Broker, not the AI.
  • You are responsible for the answers your listings produce. Because answers are drawn from the documents you upload, you are responsible for the content those answers reflect.

7. Fees

[The V1/MVP has no payment processing. If the Service is offered free during an initial period, say so here. When you introduce fees, replace this section with your pricing, billing cycle, taxes, and refund terms.]

8. Third-party services

The Service relies on third-party providers (hosting, authentication, database and storage, AI, and email). Their availability and performance are outside our control, and your use may be subject to their terms. We are not responsible for third-party services.

9. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL AI-GENERATED OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE, AND ANY WARRANTY THAT OUTPUT WILL BE ACCURATE, COMPLETE, CURRENT, OR UNINTERRUPTED. WE DO NOT WARRANT THAT THE AI WILL ANSWER ONLY FROM YOUR DOCUMENTS IN EVERY CASE OR THAT IT WILL NOT PRODUCE ERRORS. YOU ARE RESPONSIBLE FOR REVIEWING OUTPUT BEFORE RELYING ON IT.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AND REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST TRANSACTIONS OR DEALS, OR LOST OR CORRUPTED DATA, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, FOR ALL CLAIMS COMBINED, WILL NOT EXCEED THE GREATER OF THE FEES YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR US $100.

THESE LIMITATIONS APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE, AND THEY SURVIVE TERMINATION. THE PARTIES AGREE THAT THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN AND THAT THE FEES CHARGED REFLECT THIS ALLOCATION OF RISK.

11. Indemnification

You will defend, indemnify, and hold harmless Closing Intel and its owners, officers, employees, contractors, and agents from any third-party claim, and from resulting damages, losses, settlements, and costs (including reasonable attorneys' fees), arising out of (a) your Customer Content, including any claim that it infringes or misappropriates a third-party right or was uploaded without the necessary rights or consents; (b) your use of the Service; (c) your violation of these Terms or of any law or third-party right; (d) your regulatory, licensing, advertising, or disclosure obligations as a broker or seller; and (e) any claim by a buyer or seller relating to a transaction or listing of yours.

We will notify you of the claim, allow you to control the defense with counsel reasonably acceptable to us, and cooperate at your expense. You may not settle any claim in a way that imposes an obligation or admission on us without our prior written consent. This Section survives termination.

12. Buyer Terms of Use

By verifying your email and using a listing's Q&A, you (the "Buyer") agree that:

  • answers are AI-generated from the Broker's materials, are informational only, are not financial, legal, or investment advice, may be incomplete or inaccurate, and should be verified directly with the Broker before you rely on them or make any decision;
  • you are interacting with an automated system, not a human;
  • you will provide accurate information, use the Q&A only for a genuine inquiry, and not attempt to misuse, overload, or circumvent the Service; and
  • your information is handled as described in the Privacy Policy, and the Broker will receive your verified-lead and conversation information.

13. Suspension and termination

We may suspend or terminate access for violation of these Terms, to protect the Service or others, or as required by law. You may stop using the Service and delete your account at any time. On termination, the license in Section 5 ends and we will delete or de-identify Customer Content as described in the Privacy Policy, except as required by law.

14. Changes

We may update these Terms. We will post the updated Terms with a new effective date and, where required, provide notice. Continued use after changes take effect means you accept them.

15. Governing law and disputes

Governing law. These Terms are governed by the laws of the State of Wisconsin, without regard to conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Exclusive venue. Any dispute arising out of or relating to these Terms or the Service must be brought exclusively in the Circuit Court for Ozaukee County, Wisconsin, or in the United States District Court for the Eastern District of Wisconsin. Each party consents to the personal jurisdiction of those courts and waives any objection based on improper venue or inconvenient forum.

JURY TRIAL WAIVER. EACH PARTY KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVES ITS RIGHT TO A TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE. YOU ACKNOWLEDGE THAT YOU HAVE READ THIS PARAGRAPH, THAT YOU UNDERSTAND IT WAIVES A CONSTITUTIONAL RIGHT TO A JURY TRIAL, THAT YOU HAVE HAD THE OPPORTUNITY TO CONSULT COUNSEL ABOUT IT, AND THAT YOU AGREE TO IT AS A MATERIAL PART OF THE BARGAIN.

No class actions. Each party may bring claims against the other only in its individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

Time limit on claims. Any claim arising out of or relating to these Terms or the Service must be brought within one (1) year after the claim arose, to the maximum extent permitted by law. Claims not brought within that period are permanently barred.

Equitable relief. Nothing in this Section prevents either party from seeking injunctive or other equitable relief in the courts named above to protect its intellectual property or confidential information.

16. General

These Terms are the entire agreement between you and us regarding the Service and supersede prior agreements. If a provision is unenforceable, the rest remains in effect. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Our failure to enforce a provision is not a waiver.

17. Contact

Pages By David · david@pagesbydavid.com