Terms of Service

Effective Date: October 26, 2026 | Last Updated: October 26, 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern access to and use of USIG.AI and its related subdomains and applications (collectively, the "Platform"), operated by USIG LLC ("USIG," "we," "us," or "our"). By accessing the Platform, creating an account, subscribing to a USIG software tool, or engaging USIG for real estate brokerage, mortgage brokerage, or advisory services, you ("you" or "User") agree to be bound by these Terms. If you do not agree, do not use the Platform or its services.

2. Who We Are

USIG LLC operates as a real estate, mortgage, and capital advisory firm, and provides AI-driven software tools under the USIG.AI brand. Services include, without limitation:

Residential and commercial real estate brokerage services
Mortgage brokerage and loan origination services
Investor advisory and business growth consulting
Subscription software tools, including the Residential Investment Analyzer, Commercial Property Analysis tool, and Financing Tool & Analysis

Licensing. USIG LLC's own direct real estate brokerage services are provided under California DRE License #01365151, and its own direct mortgage origination services under NMLS #647824. License status can be independently verified through the California Department of Real Estate (dre.ca.gov) and the NMLS Consumer Access portal (nmlsconsumeraccess.org). These license numbers identify USIG LLC only and do not extend to, certify, or vouch for any Tool subscriber's own licensing. See Section 3 below regarding subscriber-entered license information within the Tools.

3. Software Tools & Subscriptions

USIG's software tools (each, a "Tool") are offered on a free-trial basis followed by a paid monthly or annual subscription. By subscribing, you authorize USIG and its payment processor (Stripe) to charge your payment method on a recurring basis until you cancel.

Trials. Free trial terms, including duration, are as stated on the applicable Tool's page at the time of signup and may be changed prospectively at USIG's discretion.
Billing. Subscriptions renew automatically at the then-current rate unless cancelled before the renewal date. Fees are non-refundable except where required by law.
Cancellation. You may cancel at any time through your account settings or by contacting us; cancellation takes effect at the end of the current billing period.
Changes. USIG may modify features, pricing, or availability of any Tool with reasonable notice.
Your own licensing. The Tools are software for use by real estate, mortgage, and investment professionals. If a Tool allows or requires you to enter your own professional license number (such as your own NMLS ID or DRE license), you are solely responsible for the accuracy of that information and for holding any license required for your own use of the Tool and its outputs. USIG does not verify, endorse, or take responsibility for a subscriber's professional licensing, and the licensing disclosure in Section 2 above refers only to USIG LLC's own direct services, not to your use of the Tools.

4. Not Advice — Decision-Support Only

Important. USIG's software Tools, AI-generated outputs, market reports, and written content are decision-support resources only. They do not constitute an appraisal, a lender commitment, legal advice, tax advice, or a guarantee of any investment outcome. Outputs are generated using automated models and third-party data that may contain errors or become outdated, and should be independently verified before you rely on them for any financial, investment, or legal decision.

Nothing on the Platform should be construed as personalized investment, legal, or tax advice. You should consult a licensed attorney, CPA, or financial advisor before making decisions based on content or Tool outputs obtained through the Platform.

5. Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You must provide accurate information and promptly update it if it changes. USIG may suspend or terminate accounts that violate these Terms, misuse the Platform, or engage in fraudulent activity.

6. Acceptable Use

You agree not to: (a) use the Platform for any unlawful purpose; (b) attempt to reverse-engineer, scrape, or resell access to any Tool without authorization; (c) upload content that infringes a third party's rights; or (d) interfere with the security or normal operation of the Platform.

7. Intellectual Property

The Platform, its Tools, underlying software, designs, trademarks (including "USIG" and "USIG.AI"), and content are owned by USIG LLC or its licensors and protected by applicable intellectual property laws. No rights are granted to you except the limited right to use the Platform as permitted by these Terms.

8. Third-Party Services

The Platform may link to or integrate with third-party services (including payment processing, scheduling, CRM, and communications tools). USIG is not responsible for the content, policies, or practices of third-party services, which are governed by their own terms.

9. Disclaimers & Limitation of Liability

The Platform and its Tools are provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose or non-infringement. To the fullest extent permitted by law, USIG LLC, its principals, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages, or for any investment, financial, or business decision made in reliance on Platform content or Tool outputs. USIG's total aggregate liability for any claim arising from use of the Platform shall not exceed the amount you paid USIG in the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless USIG LLC and its principals from any claims, damages, or expenses arising from your use of the Platform, your violation of these Terms, or your violation of any third-party right.

11. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles, without prejudice to USIG LLC's formation under the laws of the State of Nevada. Any dispute shall be resolved in a court of competent jurisdiction located in California.

12. Changes to These Terms

USIG may update these Terms from time to time. Continued use of the Platform after an update constitutes acceptance of the revised Terms. The "Last Updated" date above reflects the most recent revision.

13. Contact

USIG LLC
9920 Pacific Heights Blvd, Ste. 150
San Diego, CA 92121 (by appointment only)
Email: brenda@usig.ai
Phone: (657) 222-9788 (call only)