Terms of Service

These Terms of Service (“Terms”) are a binding agreement between you and CasaCrow Inc., a Delaware corporation (“CasaCrow,” “we,” “us,” or “our”) governing your use of the CasaCrow website and application (the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility — United States only

You must be at least 18 years old and able to form a binding contract to use the Service.

CasaCrow is offered solely to residents of the United States, for residential property located in the United States. We do not offer, market, or sell the Service in any other country. By creating an account you represent that you reside in the United States and that any property you add is located in the United States. Paid plans require a United States billing address, and we may decline, suspend, or terminate any account or purchase that does not meet these requirements.

The Service is built entirely around United States mortgage practice — PMI and the federal Homeowners Protection Act, escrow accounts, county property-tax assessment and appeal calendars, and U.S. market rate data. It is not designed for, and will not produce meaningful results for, a mortgage outside the United States.

The Service may be reachable from outside the United States. Being able to load a page is not an offer of the Service in your country. If you access it from elsewhere, you do so on your own initiative and are responsible for compliance with your local laws.

2. Your account

CasaCrow uses passwordless email sign-in. You are responsible for maintaining control of the email account associated with your CasaCrow account and for all activity under your account. Notify us promptly at support@casacrow.com of any unauthorized use. You agree to provide accurate information and keep it current.

3. Subscriptions, trials, billing, and cancellation

• Plans. CasaCrow offers a free tier and a paid “Pro” plan billed at $8.00/month or $60.00/year (plus applicable taxes), as shown at checkout. A discounted founding-member rate may be offered to a limited number of accounts and, once claimed, is locked in for as long as the subscription stays active. We also offer the PMI Removal Kit as a one-time, non-recurring purchase for $99.00 (included at no extra cost with the annual Pro plans, including the founding-member rate; it is not included with month-to-month billing). Prices may change; we will give advance notice and changes will not affect your current paid term.
• Free trial. We offer a 14-day free trial on the annual Pro plan, limited to one trial per account and per email address: a trial used on an account that was later deleted still counts for a new account with the same email address. It is not available on month-to-month billing or on the founding-member rate, which begin billing immediately. If you do not cancel before the trial ends, your selected plan begins and your payment method is charged automatically. If you cancel during the free trial, the trial ends when you confirm: your Pro access stops at once and you are not charged. We tell you this before you confirm. A trial you cancel still counts as your one free trial. If your free trial started before version 3.0 of these Terms took effect, at 00:00 UTC on October 14, 2026 (8:00 PM Eastern, 5:00 PM Pacific on October 13), you keep Pro until the trial’s last day if you cancel during it. A trial follows the rule shown beside the checkout button when its checkout began. During the trial, all Pro features are active except one: the PMI Removal Kit’s lender-letter download, which unlocks with your first payment — the rest of the Kit (your removal dates, the appraisal playbook, and tracking PMI removal) is available throughout the trial, and the Kit is also purchasable outright at any time for $99.00.
• Auto-renewal. Paid subscriptions renew automatically at the end of each billing period until you cancel. By subscribing, you authorize us (via Stripe) to charge your payment method on a recurring basis.
• Cancellation. You may cancel anytime from your account. If you cancel a paid subscription, the cancellation takes effect at the end of the current billing period, and you keep Pro access until then. If you cancel during a free trial, the trial ends at once, unless Free trial above says you keep Pro until the trial’s last day.
• Refunds. Except where required by law or as Section 11 or Section 13 provides, payments are non-refundable and partial periods are not pro-rated. Any retention or win-back discounts are offered at our discretion. If you think you were charged in error, or have any question about a charge, please email support@casacrow.com before disputing it with your bank or card issuer. We will look into it promptly and may refund a charge at our discretion. This does not limit any right you have with your bank or card issuer.

4. Acceptable use

You agree not to:

• use the Service for any unlawful, fraudulent, or harmful purpose;
• upload content you lack the rights to, or that infringes others’ rights;
• attempt to access accounts or data that are not yours, or probe, scan, or test the security of the Service without authorization;
• interfere with or disrupt the Service, or circumvent rate limits or usage limits;
• reverse engineer, scrape, or resell the Service except as permitted by law.

5. Your content

You retain ownership of the documents and information you submit (“Your Content”). You grant us a limited, non-exclusive license to host, process, and display Your Content solely to operate and provide the Service to you. You are responsible for Your Content and for having the rights to submit it.

6. Intellectual property

The Service, including its software, design, text, and trademarks, is owned by CasaCrow and its licensors and is protected by law. We grant you a limited, revocable, non-transferable, non-exclusive license to use the Service for your personal, non-commercial use in accordance with these Terms. No other rights are granted.

7. Third-party services

The Service relies on third parties (including our payment processor, Stripe, and our hosting and email providers) and may reference third-party data (such as market rates from public sources). We are not responsible for the acts, omissions, content, or policies of third parties, and your use of their services may be subject to their own terms.

8. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

Without limiting the above, we do not warrant that the Service’s calculations, projections, alerts, or market-rate data are accurate, complete, current, or suitable for your situation, or that the Service will be uninterrupted, secure, or error-free. You are solely responsible for decisions you make based on the Service.

9. Limitation of liability

To the maximum extent permitted by law, CasaCrow and its officers, employees, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to the Service, even if advised of the possibility of such damages.

Our total aggregate liability for all claims relating to the Service will not exceed the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

10. Indemnification

You agree to indemnify and hold harmless CasaCrow from any claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of your use of the Service, Your Content, or your violation of these Terms or applicable law.

11. Termination, and changes to the Service

11.1 Leaving CasaCrow

You may stop using the Service and delete your account at any time, in Account Settings. Deleting your account ends any subscription at once. The time left in a period you have paid for is not refunded (Section 3). To keep Pro until the end of that period, cancel under Section 3 first, and delete your account once the period ends.

11.2 Our right to suspend or close your account

We may suspend your account or close it at any time, for any reason or for no reason. Suspending it means we pause your access for a while. Closing it means we end your account, and with it this agreement. We will not close an account as a way to change its price. Price changes follow Section 3.

11.3 Notice

Where we can, we will email you before we act and tell you why; otherwise we will email you when we act. A suspension or closure takes effect when we tell you, or on a later date we choose. If we choose a later date, you can keep using your account until then, including Pro if you have it. While your account is suspended you can still cancel your subscription by emailing support@casacrow.com.

11.4 Refunds if we suspend or close your account

If we close your account and it is not your fault, we refund the part of any subscription fee you paid in advance that covers the time after the closing date, worked out by the day. For example, if we close your account halfway through a year you paid for, we refund half of what you paid. If you bought the PMI Removal Kit on its own in the 12 months before the closing date, we refund that too. We send the refund to the card you paid with, within 30 days of the closing date. The same applies if we stop offering the Service altogether.

If we suspend your account and it is not your fault, we refund the paid time the suspension covers, worked out the same way. We send it to the card you paid with within 30 days after the suspension ends. If a suspension lasts longer than 30 days, we also refund the paid time it has covered so far, every 30 days while it lasts.

It is your fault if we suspend or close your account because of fraud, abuse, unlawful use, a serious or repeated breach of these Terms by you or someone using your account, or a payment you did not make. Then Section 3 applies, and what you paid is not refunded except where the law requires it. If we suspend or close it because you do not meet Section 1, Section 3 applies too, and we look at a refund case by case.

Apart from the refunds in this Section, we do not owe you anything for suspending or closing your account.

11.5 Your information after your account closes

If we choose a later closing date, you can sign in until then and download your documents. Once your account is closed, you have 30 days to ask us for a copy of your data at privacy@casacrow.com. If you ask in time, we keep it until we have sent it. After that, we delete it as our Privacy Policy describes. If we closed your account because of fraud, abuse or a legal requirement, we may keep what we need to deal with that, as our Privacy Policy allows.

11.6 What lasts after your account closes

Sections that by their nature should survive termination (including Sections 5–13 and 15) will survive. Section 3 also survives for any amount you still owe us or we owe you.

11.7 Changes to the Service

We may add, change, or withdraw features of the Service, and we may change how a feature works. Where a change materially reduces something a paid plan includes, we will give you reasonable notice of it. Your remedy in that case is to cancel under Section 3.

12. Governing law and dispute resolution

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules.

Please read this section carefully. It affects your legal rights. Any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration, and not in court, except that either party may bring an individual claim in small-claims court. You and CasaCrow waive any right to a jury trial and to participate in a class, collective, or representative action.

12.1 Talk to us first

Before starting an arbitration, you agree to give us a chance to put the problem right. Send a Notice of Dispute to legal@casacrow.com, or to the postal address in Section 14, saying who you are, the email address on your account, what the dispute is about, and what you are asking for. We will send you a Notice of Dispute the same way if we have a dispute with you. Each notice must be individual to one person: a notice submitted on behalf of a group is not a Notice of Dispute under this Section.

Both sides then have 30 days to try to resolve it. If that does not work, either side may begin arbitration. Completing this step is a condition of starting arbitration, and either side may ask a court or the arbitrator to enforce it. Any deadline for bringing a claim pauses while this step is running. Nothing in this Section stops either side from bringing an individual claim in small-claims court instead.

12.2 Who runs the arbitration

Arbitration is administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, as those rules exist when the arbitration begins, before a single arbitrator. Where AAA’s Mass Arbitration Supplementary Rules apply by their own terms, those rules apply as well. The rules, and AAA’s contact details, are at adr.org. The AAA rules determine where any hearing takes place; we do not name a location here.

Arbitration fees are allocated as the applicable AAA rules provide. The arbitrator may award any relief a court could award to you individually, and may not award relief to anyone who is not a party to the arbitration. The Federal Arbitration Act governs this Section.

If AAA is unwilling or unable to administer an arbitration consistently with this Section, you and CasaCrow will agree on another established consumer arbitration provider, and if we cannot agree, a court may appoint one. A provider becoming unavailable does not make this Section unenforceable.

12.3 Opting out

You may opt out of this arbitration agreement within 30 days of first accepting these Terms, and again within 30 days of any change we make to this Section 12, by emailing legal@casacrow.com with your name and a statement that you opt out. A fresh window opens each time we change how disputes are resolved, so agreeing to one version of this Section is never agreement to a later one. Opting out affects only this arbitration agreement; the rest of these Terms still applies, and opting out has no effect on your account, your subscription, or anything else about how you use the Service.

12.4 If part of this Section cannot be enforced

If the waiver of class, collective, or representative actions is held unenforceable as to a particular claim, that claim is severed from arbitration and heard in court, and the rest of this Section continues to apply to every other claim. If any other part of this Section is held unenforceable, that part is severed and the rest continues to apply.

13. Changes to these Terms

We may update these Terms from time to time. We will post the updated version here with a new version number, a version date and an effective date. An update takes effect on its effective date, which is the day we post it or a later date we choose. An update takes effect at 00:00 UTC on its effective date, which is the evening before in U.S. time zones. We keep every earlier version, and we will send you a copy of any of them if you ask at legal@casacrow.com. Each time you sign in you are asked to agree to the Terms then posted, and we record which version that was; your continued use of the Service on or after an update’s effective date also constitutes acceptance of the revised Terms, and we record that too.

Some changes get more than a posting. If a change is material (for example, it takes away a right this agreement gives you or adds a cost), we will email you about it no later than the day it takes effect, and we will ask for your agreement where the law requires it. If you paid in advance and you do not agree with a material change, you may cancel within 30 days of our email, and we will refund the unused part of what you paid in advance, worked out by the day from the day you cancel. To ask for it, email support@casacrow.com. If you cancel under this paragraph, your subscription and your Pro access end on the day we refund you.

Some changes have limits. A change to Section 12 does not apply to a dispute that arose, or that either of us gave a Notice of Dispute about, before the change took effect. A change to the price or renewal terms of a subscription you already have takes effect only as Section 3 describes, with the advance notice the law requires, and does not affect a period you have already paid for.

Changes to how we handle your information follow our Privacy Policy.

14. Contact

Questions about these Terms? Email legal@casacrow.com or write to CasaCrow Inc., 120 Marketplace Circle, Ste C, PMB 306, Georgetown, KY 40324.

15. General

15.1 If part of these Terms cannot be enforced

If any provision of these Terms is held invalid, unlawful, or unenforceable, that provision is severed and the rest of these Terms stay in full force. Where it is possible to do so, the severed provision is replaced by an enforceable one that comes closest to what it was meant to achieve. Section 12 carries its own severance rule for the arbitration agreement, and that rule governs within Section 12.

15.2 The whole agreement

These Terms, together with our Privacy Policy and anything presented to you at checkout, are the entire agreement between you and CasaCrow about the Service, and they replace any earlier agreement or understanding about it. Nothing in this Section limits liability for fraud or fraudulent misrepresentation.

Nothing anywhere in these Terms takes away a right you have under consumer protection law that cannot be waived. Where a provision of these Terms conflicts with such a right, that right wins and the rest of these Terms carry on unchanged.

15.3 No waiver

If we do not enforce a provision of these Terms, or are slow to enforce it, that is not a waiver of it. A waiver counts only if we give it in writing, and it applies only to the specific occasion and provision it names.

15.4 Assignment

You may not assign or transfer these Terms, or any right under them, without our written consent, and any attempt to do so is void. We may assign these Terms to an affiliate, or in connection with a merger, acquisition, financing, or sale of assets, and we will tell you if we do. These Terms bind and benefit each party’s permitted successors and assigns.

15.5 Notices, and communicating electronically

CasaCrow is an online service with no passwords: we reach you by email and inside the Service, and you agree to receive communications from us that way — including anything the law requires to be “in writing”. Notices to you go to the email address on your account and take effect when sent. Notices to us go to legal@casacrow.com or the postal address in Section 14. Keeping your email address current is your responsibility (Section 2), because that address is how you sign in and how we reach you. You can withdraw your agreement to electronic communications by deleting your account; we cannot run the Service without it.

15.6 Feedback

If you send us an idea, a suggestion, or feedback about the Service, we may use it without restriction and without owing you anything for it. This gives us no rights over Your Content, which Section 5 governs.

15.7 Events outside our control

We are not responsible for a failure or delay in providing the Service that is caused by something outside our reasonable control — an outage at the providers listed in Section 7, a network failure, a natural event, or an act of government. This does not affect your right to cancel under Section 3.

15.8 Time limit on claims

To the extent the law allows, any claim arising out of or relating to these Terms or the Service must be brought within one year of the date the claim arose. A claim brought after that is permanently barred. Where a state does not permit a period this short, the shortest period that state does permit applies instead.

15.9 No third-party beneficiaries

These Terms are between you and CasaCrow. Nobody else gains a right to enforce them.

15.10 Headings

Section headings are there to help you find things. They do not affect how these Terms are read.