Terms of Service
Governing the use of the HomeLeafs ecosystem and professional platform.
Last Updated: February 1, 2026 | Effective Date: January 1, 2026
Mandatory Disclosure
By using HomeLeafs, you agree to binding arbitration, waive your right to jury trials and class actions, and acknowledge comprehensive liability limitations. If you do not agree, do not use our Services.
Binding Arbitration
All disputes resolved through independent arbitration, not court.
Limited Liability
Platform liability capped at the greater of $100 or 12mo fees.
Service Partners
Providers are independent contractors, not HomeLeafs agents.
1. Acceptance of Terms and Modifications
1.1 Binding Agreement
By accessing, browsing, registering for, or using the HomeLeafs platform, mobile applications, website, or any related services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and all applicable laws and regulations.
IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE OUR SERVICES.
1.2 Modifications to Terms
HomeLeafs reserves the right to modify, amend, or update these Terms at any time, in our sole discretion, with or without notice. Changes will be effective immediately upon posting to the Platform with an updated "Last Updated" date. Your continued use of the Services after any modification constitutes your acceptance of the modified Terms.
2. Description of Services
2.1 Platform Nature
HomeLeafs operates as an INFORMATION AND REFERRAL PLATFORM ONLY. We provide technology that:
- Connects homeowners with independent service providers
- Provides educational information about foreclosure prevention and real estate
- Facilitates communications between users and service providers
- Offers assessment tools, analytics, and resources
- Enables property listing and search functionality
- Provides subscription-based messaging services
2.2 What We Are NOT
HomeLeafs is expressly NOT:
- A law firm, attorney, or legal service provider
- A financial advisor or investment advisor (RIA)
- A mortgage assistance relief service provider (MARS Rule)
- A lender, mortgage servicer, or financial institution
- An employer or supervisor of service providers
- A guarantor of any outcomes or results
- A real estate broker, agent, or property manager
- Responsible for service provider actions or omissions
2.3 No Fiduciary or Agency Relationship
- NO ATTORNEY-CLIENT RELATIONSHIP is created between you and HomeLeafs
- NO FINANCIAL ADVISORY RELATIONSHIP exists between you and HomeLeafs
- NO AGENCY RELATIONSHIP: HomeLeafs does not act as the agent, representative, broker, fiduciary, employee, partner, joint venturer, or legal representative of any homeowner, professional, lender, investor, attorney, contractor, or other user.
2.4 Mortgage and Loan Services Disclaimers
⚠️ CRITICAL MORTGAGE INDUSTRY NOTICE:
- NOT A LENDER: HomeLeafs is NOT a mortgage lender, mortgage broker, or loan originator
- NOT NMLS LICENSED: HomeLeafs does not hold any NMLS (Nationwide Multistate Licensing System) license
- NOT A MORTGAGE SERVICER: We do not service, collect, or manage mortgage payments
- NOT A CREDIT REPAIR SERVICE: We do not offer credit repair or credit counseling services
- NOT SUBJECT TO TILA/RESPA: Our tools are for informational purposes only and are not subject to Truth in Lending Act (TILA) or Real Estate Settlement Procedures Act (RESPA) requirements
Loan Calculator & Financial Tools Disclaimer:
ALL CALCULATIONS ARE ESTIMATES ONLY. Our loan calculators, rate comparisons, and financial tools:
- Are for educational and illustrative purposes only
- Do NOT constitute a loan offer, pre-approval, or commitment to lend
- May not reflect actual rates, terms, or costs you will receive
- Do not account for all fees, taxes, insurance, or closing costs
- Are based on assumptions that may not apply to your situation
- Should NOT be relied upon for financial decisions
- May contain errors or outdated information
ALWAYS consult with a licensed mortgage professional and obtain an official Loan Estimate before making any financial decisions.
Rate Comparison Disclaimer:
- Rates displayed are NOT guaranteed and may change without notice
- Rates shown may be sample rates only, not actual available rates
- Your actual rate will depend on credit score, loan-to-value, property type, and other factors
- Rates may include discount points or other fees not disclosed
- We do not verify the accuracy of rates provided by third parties
- Rate comparisons are for informational purposes only
Pre-Qualification Tool Disclaimer:
PRE-QUALIFICATION IS NOT PRE-APPROVAL.
- Our pre-qualification tool provides estimates only
- It does NOT constitute a commitment to lend or guarantee loan approval
- Actual loan approval requires full underwriting and documentation
- Pre-qualification does not guarantee you will qualify for any loan
- Lenders may have different qualification criteria
- You must apply directly with a licensed lender for actual pre-approval
Loan Officer Referrals:
When we refer you to loan officers or mortgage professionals:
- They are independent contractors, not HomeLeafs employees
- We do not verify their NMLS licenses or credentials (you must verify)
- We are not responsible for their actions, advice, or loan terms offered
- We do not receive compensation for referrals (unless disclosed)
- You are free to work with any lender of your choice
- We do not guarantee they will approve your loan application
VERIFY ALL LOAN OFFICER CREDENTIALS at www.nmlsconsumeraccess.org before working with them.
HOMEOWNERS: BEWARE OF MORTGAGE SCAMS
Never pay upfront fees for loan modification services. Never sign documents you don't understand. Always verify credentials. Report scams to your state attorney general.
3. Platform Limitations and Disclaimers
3.1 Information Accuracy
WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING:
- Accuracy, completeness, or reliability of any information on the Platform
- Information provided by third-party service providers
- User-generated content, messages, reviews, or communications
- Assessment results, analytics, or AI-generated recommendations
- Property listings, descriptions, photos, or valuations
- Market data, trends, or forecasts
ALL INFORMATION IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND.
3.2 Third-Party Content and Service Providers
ALL CONTENT, ADVICE, AND SERVICES PROVIDED BY THIRD-PARTY SERVICE PROVIDERS ARE SOLELY THEIR RESPONSIBILITY. HomeLeafs:
- Does not verify or guarantee service provider qualifications
- Is not responsible for service provider malpractice or negligence
- Does not guarantee service provider performance
- Is not liable for disputes between users and service providers
3.4 No Outcome Guarantees
WE DO NOT GUARANTEE ANY OUTCOMES, including:
- Prevention of foreclosure or property loss
- Successful loan modification or mortgage relief
- Sale or purchase of property
- Favorable legal or financial outcomes
- Service provider performance or results
- Accuracy of property valuations or investment analyses
3.5 Public Records Disclaimer
Property information displayed on HomeLeafs originates from county recorders, assessors, courts, government agencies, third-party providers, and user submissions.
These sources may contain delays, omissions, inaccuracies, duplicate records, or outdated information. HomeLeafs does not guarantee the completeness or accuracy of any property information and users must independently verify all information before making decisions.
3.6 Artificial Intelligence (AI) Disclaimer
- AI-generated content (including NEXUS/MOTHER outputs) may contain inaccuracies, omissions, hallucinations, outdated information, or incorrect recommendations.
- AI should never be relied upon as legal, financial, investment, engineering, lending, or tax advice.
- Users remain solely responsible for verifying all AI-synthesized intelligence.
4. Comprehensive Liability Limitations
4.1 MAXIMUM LIABILITY LIMITATION
TO THE FULLEST EXTENT PERMITTED BY LAW, HOMELEAFS' TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF:
(A) THE TOTAL AMOUNT PAID BY YOU TO HOMELEAFS IN THE 12 MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR
(B) ONE HUNDRED DOLLARS ($100.00)
This limitation applies regardless of the theory of liability and even if HomeLeafs has been advised of the possibility of such damages.
4.2 Excluded Damages
HOMELEAFS SHALL NOT BE LIABLE FOR ANY:
- Indirect or consequential damages
- Loss of profits or revenue
- Loss of data or information
- Property damage or loss
- Financial losses
- Emotional distress
- Attorney fees or legal costs
- Foreclosure proceedings
- Service provider actions
- Missed deadlines
- Unauthorized account access
- Technical errors or failures
4.3 Independent Contractor Relationship
SERVICE PROVIDERS ON THE PLATFORM ARE INDEPENDENT CONTRACTORS, NOT EMPLOYEES OR AGENTS OF HOMELEAFS.
- HomeLeafs does not employ or control service providers
- HomeLeafs is not responsible for service provider actions
- HomeLeafs does not guarantee service provider credentials
- Disputes with service providers are between you and the provider
YOU RELEASE HOMELEAFS FROM ALL LIABILITY RELATED TO SERVICE PROVIDER ACTIONS OR OMISSIONS.
4.4 Force Majeure and Platform Availability
HomeLeafs shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargos, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
Additionally, HomeLeafs may suspend services, remove features, or discontinue products without notice. We do not guarantee continuous, uninterrupted access to the platform.
5. User Responsibilities and Conduct
5.1 Account Security
YOU AGREE TO:
- Provide accurate and current information
- Keep your password secure and confidential
- Notify HomeLeafs of unauthorized account access
- Be solely responsible for all activity under your account
- Be at least 18 years of age
5.2 Prohibited Activities
Users SHALL NOT:
- Provide false or fraudulent information
- Use Services for illegal purposes
- Violate any laws or regulations
- Upload viruses or malware
- Attempt unauthorized access
- Use bots or automated tools
- Harass or abuse other users
- Impersonate others
- Spam or send unsolicited messages
- Collect user data without consent
- Post discriminatory content
- Reverse engineer the platform
VIOLATIONS MAY RESULT IN IMMEDIATE ACCOUNT TERMINATION AND LEGAL ACTION.
5.3 MANDATORY USER DUE DILIGENCE
READ THIS CAREFULLY — YOUR SAFETY DEPENDS ON IT
🛡️ YOU ARE 100% RESPONSIBLE FOR YOUR OWN PROTECTION 🛡️
DESPITE OUR EXTENSIVE SECURITY MEASURES (FingerprintJS, device tracking, IP reputation, velocity limits, threat detection, Guardian AI scam detection, and more), BAD ACTORS MAY STILL BYPASS OUR SYSTEMS by creating new accounts, using VPNs, or other methods.
HOMELEAFS CANNOT AND DOES NOT GUARANTEE THE IDENTITY, CREDENTIALS, HONESTY, OR INTENTIONS OF ANY USER OR SERVICE PROVIDER ON THE PLATFORM.
🚨 YOU MUST PERFORM YOUR OWN DUE DILIGENCE 🚨
BEFORE WORKING WITH ANY SERVICE PROVIDER, SENDING MONEY, SIGNING DOCUMENTS, OR SHARING PERSONAL INFORMATION, YOU MUST:
✅ VERIFY CREDENTIALS:
- Check state licensing boards
- Verify NMLS licenses (nmlsconsumeraccess.org)
- Verify attorney bar numbers (state bar websites)
- Check real estate agent licenses
- Verify business registrations
- Search for disciplinary actions
- Check Better Business Bureau ratings
✅ RESEARCH THOROUGHLY:
- Google the person's name + "scam" or "complaint"
- Check online reviews (multiple sources)
- Ask for references and CALL them
- Verify business address (not a P.O. box)
- Check how long they've been in business
- Look for red flags (pressure, urgency, secrecy)
- Trust your gut - if it feels wrong, walk away
✅ PROTECT YOUR MONEY:
- NEVER pay upfront fees for loan modification
- NEVER wire money to someone you haven't verified
- NEVER give access to your bank accounts
- NEVER sign blank documents
- NEVER sign over your deed to anyone
- Use escrow for large transactions
- Get everything in writing
✅ GET PROFESSIONAL ADVICE:
- Consult a licensed attorney before signing contracts
- Have a CPA review financial documents
- Get a second opinion on major decisions
- Contact HUD-approved housing counselors (FREE)
- Report suspicious activity to authorities
- Don't rely solely on online information
⚠️ COMMON SCAMS TO WATCH FOR:
🚫 Foreclosure Rescue Scams:
Upfront fees, deed transfers, "guaranteed" to stop foreclosure
🚫 Fake Loan Officers:
No NMLS license, pressure tactics, too-good-to-be-true rates
🚫 Phantom Attorneys:
Not licensed in your state, won't meet in person, vague answers
🚫 Investment Scams:
"Guaranteed returns," pressure to act fast, unregistered investments
🚫 Wire Fraud:
Last-minute wire instructions, email account compromises
🚫 Identity Theft:
Requests for SSN, bank info, passwords before verification
HOMELEAFS SECURITY MEASURES
We have implemented extensive security systems, including:
✓ FingerprintJS Device Tracking
✓ IP Reputation Monitoring
✓ Velocity Rate Limiting
✓ Guardian AI Scam Detection
✓ Account Link Detection
✓ Threat Pattern Analysis
⚠️ HOWEVER: Bad actors can bypass ANY security system by creating new accounts, using VPNs, stolen identities, or other methods. YOU MUST STILL VERIFY EVERYONE YOURSELF.
⚖️ LEGAL ACKNOWLEDGMENT ⚖️
BY USING HOMELEAFS, YOU ACKNOWLEDGE AND AGREE THAT:
✓ You are solely responsible for verifying the identity, credentials, and legitimacy of all users and service providers
✓ HomeLeafs cannot and does not guarantee the honesty, competence, or intentions of any user
✓ You will perform your own due diligence before engaging with anyone or making any financial decisions
✓ You release HomeLeafs from all liability for fraud, scams, misrepresentation, or bad actors on the platform
✓ You understand that security measures can be bypassed and do not guarantee protection
✓ You will immediately report suspicious activity to HomeLeafs and law enforcement
✓ You will not hold HomeLeafs liable for any losses resulting from your interactions with other users
IF YOU ARE NOT WILLING TO PERFORM YOUR OWN DUE DILIGENCE AND ACCEPT FULL RESPONSIBILITY FOR YOUR DECISIONS, DO NOT USE THIS PLATFORM.
📞 Report Suspicious Activity:
State Attorney General: Your state's AG office
HUD: 1-800-569-4287
Local Police: File a report immediately
5.4 Community Expression Policy
💙 We Understand You're Going Through a Tough Time
Express yourself freely, but let's keep our community safe and supportive.
Our Simple Rule
"You can swear at the problem.
You can't swear at people."
✅ ALLOWED - Express Yourself!
- •Swear at the problem: "This f*cking foreclosure is killing me!"
- •Vent your frustration: "I'm so damn stressed about this situation!"
- •Express emotions: "This whole process is bullsh*t!"
- •Share your pain: "I feel like I'm drowning in debt!"
- •Ask for help: "I don't know what the hell to do anymore!"
💚 We get it. You're frustrated. That's okay. We're here to help, not judge.
❌ NOT ALLOWED - Protect People
- •Threats or violence: "I'll hurt you" or "I hope you die"
- •Hate speech or slurs: Discriminatory language of any kind
- •Attacking people: "You're worthless" or "Go f*ck yourself"
- •Harassment or bullying: Targeting specific individuals
- •Doxxing: Sharing someone's private information
🚫 Content that attacks people will be blocked immediately.
⚠️ Soft Flags - We'll Gently Remind You
If your post has excessive profanity (5+ curse words) or an aggressive tone (lots of caps, exclamation marks), we'll show you a helpful message:
"Strong language is okay. If you want help faster, keep posts focused on your situation."
"We hear your frustration. Take a breath - you're not alone in this."
Your post will still go through - we just want to make sure you're okay and help you get the best response.
Why This Policy?
1. You're Human: We know you're going through one of the most stressful times of your life. Express your emotions freely.
2. Safety Matters: We need to protect everyone in our community from threats, hate, and abuse.
3. Legal Protection: Your posts may be reviewed by lenders, attorneys, or courts. We want to protect you and the platform.
4. Better Help: When you focus on the problem (not people), professionals can help you faster and more effectively.
We're Here to Help, Not Judge
If you need immediate support, reach out at [email protected]
Enforcement
- First violation: Content blocked + explanation
- Repeated violations: Temporary account suspension
- Severe violations: Permanent ban + legal action if necessary
- Appeals: Contact [email protected] if you believe content was wrongly blocked
6. Subscription Plans and Fees
6.1 Subscription Tiers (as of January 2025)
🏠 HOMEOWNER COMMITMENT: Homeowners always receive full, unlimited AI assistance (NEXUS Guardian) at no charge — forever. The NEXUS AI credit system applies exclusively to Service Provider accounts. Homeowners are never subject to usage limits, credit caps, or upgrade prompts of any kind.
Basic: $0/month
Unlimited listing access, direct messaging
Silver: $499-599/month
10 direct lead messages/month, advanced analytics
Gold: $899-999/month Most Popular
20 direct lead messages/month, premium features
Platinum: $2,499-2,999/month
50 direct lead messages/month, enterprise features
6.2 Payment Terms
- All fees are non-refundable unless required by law
- Subscriptions renew automatically at the then-current price
- Message limits do not roll over to subsequent months
- Failure to pay may result in account suspension or legal action
- Cancel anytime; cancellation effective at end of billing period
7. Indemnification
YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS HOMELEAFS and its officers, directors, employees, and agents from any claims, damages, losses, costs, and expenses (including attorney fees) arising from:
- Your use of the Services or violation of these Terms
- Your interactions with service providers or other users
- Your violation of any laws or third-party rights
- Your user content or decisions you make
- Legal proceedings involving foreclosure or property matters
- Disputes between you and service providers
This indemnification obligation survives termination of these Terms.
8. Dispute Resolution
8.1 Mandatory Arbitration
PLEASE READ CAREFULLY. THIS SECTION AFFECTS YOUR LEGAL RIGHTS.
ALL DISPUTES SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING ARBITRATION, rather than in court.
- Administered by the American Arbitration Association (AAA)
- Conducted in New Castle County, Delaware or via video conference
- Single neutral arbitrator
- Arbitrator's decision is final and binding
- Each party bears its own attorney fees and costs
- Limited discovery as determined by arbitrator
Opt-Out Option: You may opt out of arbitration by sending written notice to [email protected] within 30 days of first accepting these Terms.
8.2 Class Action Waiver
YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS OR CLASS-WIDE ARBITRATION.
You and HomeLeafs agree that each may bring claims against the other only in individual capacity, not as a plaintiff or class member in any purported class or representative proceeding.
8.3 Jury Trial Waiver
TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND HOMELEAFS WAIVE THE RIGHT TO A JURY TRIAL FOR ALL DISPUTES.
8.5 Governing Law and Venue
These Terms are governed by the laws of the State of Delaware. Any court proceedings (for matters not subject to arbitration) shall be brought exclusively in state or federal courts located in New Castle County, Delaware.
9. Intellectual Property, Content, and Platform Integrity
9.1 HomeLeafs Intellectual Property
All software, algorithms, branding, logos, AI models, matching engines, datasets, code, and visual assets are the exclusive property of HomeLeafs. You are granted a limited, non-exclusive license to use the Platform. You may not copy, modify, distribute, sell, or lease any part of our Services.
9.2 STRICTLY PROHIBITED: Scraping & API Abuse
You are expressly prohibited from engaging in any automated data extraction.
- No web scraping, crawling, or automated collection of property data
- No reverse engineering of APIs or platform algorithms
- No dataset extraction or competitive benchmarking
- AI TRAINING BAN: Users may not use HomeLeafs content, listings, datasets, screenshots, APIs, or outputs to train machine learning systems without explicit written permission.
9.3 User Uploaded Content License
By uploading content (including letters, photos, videos, voice recordings, court filings, and documents), you grant HomeLeafs a worldwide, royalty-free license to host, display, process, backup, analyze, AI process, resize, compress, moderate, and delete such content for the purpose of operating the Services.
9.4 DMCA Copyright Policy
We respect the intellectual property rights of others. If you believe your copyright has been infringed upon by user-uploaded content, please send a written DMCA takedown notice to [email protected] containing your contact information, a description of the copyrighted work, its location on the platform, and a statement under penalty of perjury that you are the copyright owner.
10. Compliance and Legal Notices
10.1 MARS Rule Compliance (Federal Law)
REQUIRED FEDERAL DISCLOSURE:
"We are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to modify your loan."
Free HUD-Approved Housing Counseling:
Call 1-800-569-4287 or visit www.hud.gov for free foreclosure prevention counseling.
10.3 Additional Disclaimers
- Results Not Guaranteed: Individual outcomes vary
- Not Legal Advice: Consult a qualified attorney for legal matters
- Not Financial Advice: Consult a qualified financial professional
- No Endorsement: Inclusion of service providers does not constitute endorsement
11. Account Termination
11.1 Termination by HomeLeafs
HomeLeafs may suspend or terminate your account immediately and without notice for:
- Violation of these Terms or any applicable law
- Fraudulent or illegal activity
- Abuse or harassment of users or service providers
- Non-payment of fees
- Any reason, with or without cause, in HomeLeafs' sole discretion
11.2 Effect of Termination
- All licenses granted to you immediately cease
- You must cease all use of the Services
- Your data may be deleted (subject to legal retention requirements)
- Outstanding payment obligations survive termination
- Indemnification, liability limitations, and dispute resolution terms survive
14. Contact Information
For most questions, our FAQ page covers everything from account management to dispute resolution. For anything not answered there, you may reach us at [email protected].
Mailing Address:
HomeLeafs
131 Continental Drive, Suite 301
Newark, DE 19713-4323
County: New Castle
15. Acknowledgment and Consent
BY USING HOMELEAFS, YOU ACKNOWLEDGE AND AGREE THAT:
✓ You have read, understood, and agree to be bound by these Terms and the Privacy Policy
✓ You understand that HomeLeafs is an information and referral platform only
✓ You understand that service providers are independent contractors
✓ You agree to binding arbitration and waive your right to jury trials and class actions
✓ You accept the comprehensive liability limitations set forth in these Terms
✓ You understand that HomeLeafs does not guarantee any outcomes
✓ You are at least 18 years of age
✓ You will perform your own due diligence on service providers
✓ You consent to the monitoring of communications on the Platform
IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.