Property Lantern LLC - a Missouri limited liability company
Effective Date: [EFFECTIVE DATE] | Last Updated: [DATE] | Version: 1.0

Section 14 contains a binding arbitration agreement and class-action waiver. You may opt out of arbitration within 30 days after first accepting these Terms, as described in Section 14.6.

Agreement and Acceptance

These Terms of Service ("Terms") form a binding agreement between you and Property Lantern LLC, a Missouri limited liability company ("Property Lantern," "we," "us," or "our"), governing your access to and use of the Property Lantern website, applications, property data, reports, alerts, artificial-intelligence features, exports, resources, calculators, workspace tools, and related services (the "Services").

You accept these Terms through the affirmative acceptance flow presented to you. We may record your account identifier, acceptance date and time, IP address, and the versions of the Terms and Privacy Policy then in effect as evidence of your agreement. If you accept for an organization, you represent that you have authority to bind it. If you do not agree, do not use the Services.

1. Eligibility and Authority

1.1 You must be at least 18 years old and able to enter a binding contract.

1.2 The Services are intended for lawful real estate and property research and related business or professional use.

1.3 If you use the Services for an organization, you represent that you are authorized to do so and to bind that organization where applicable.

2. What Property Lantern Is - and Is Not

2.1 Property Lantern is a property intelligence and research platform. Depending on your plan and enabled features, the Services may include property and ownership records, recorded instruments, tax and municipal information, property characteristics, geographic information, estimates, scores, alerts, saved searches, lists, workspace tools, artificial-intelligence features, exports, guides, templates, and calculators.

2.2 Property Lantern provides data and research tools. We do not supervise your business, direct your transactions, mentor you in your profession, determine whether a course of conduct is lawful for you, or approve your decisions.

2.3 Property Lantern is not a party to your transactions and does not act as your agent, broker, advisor, compliance officer, mentor, or fiduciary.

2.4 Features, data coverage, sources, limits, and plans may change. Beta or experimental features may be incomplete, may change, and may be withdrawn.

3. Accounts and Teams

3.1 Keep your account information accurate and your credentials secure. You are responsible for activity under your credentials except to the extent caused directly by a security failure for which Property Lantern is legally responsible.

3.2 An account is for one individual. You may not share credentials or provide access outside the seat count or team functionality of your plan.

3.3 Where a plan supports teams, the account owner or administrator may manage users and permissions, and the organization is responsible for the activity of its authorized users. Team limits may apply in aggregate.

3.4 Content created or stored in a team workspace remains part of that workspace if a user is removed or loses access. Historical attribution may remain associated with the removed or inactive user. Team administrators may manage, reassign, archive, or delete team workspace content using available controls.

3.5 Notify us promptly at security@propertylantern.com if you believe your account has been compromised.

4. Subscriptions, Billing, and Founding Members

4.1 Fees, billing periods, seat counts, usage limits, export allowances, and other plan terms are disclosed at purchase, on our pricing page, or in an applicable order form.

4.2 Paid subscriptions automatically renew unless cancelled before renewal, except where law provides otherwise. You authorize us and our payment processor to charge disclosed subscription fees, taxes, and other charges. We provide notices where applicable law requires them.

4.3 You may cancel using the method provided in the Services. Unless otherwise stated or required by law, cancellation takes effect at the end of the current paid period, fees already paid are nonrefundable, and partial periods are not prorated. When paid access ends or lapses, the account may revert to the free Explorer tier and paid features become unavailable, subject to applicable retention and plan limits. If you upgrade to a higher-priced plan during a billing period, you authorize us to charge the prorated price difference for the remainder of that period when you confirm the change, and the new price applies at renewal. If you downgrade, the change takes effect at the start of your next billing period, and no refund or credit is issued for the current period.

4.4 We may change pricing or plan features. If a change increases the price of an existing paid subscription, we will provide reasonable advance notice before the increase applies at renewal, subject to applicable law and any Founding Member commitment.

4.5 If a charge fails, we may retry the charge, restrict paid features, revert the account to Explorer, or terminate paid access after reasonable notice.

4.6 Founding Member pricing. The first 100 paid subscribers to qualify as Founding Members receive the following terms:

• Each Founding Member number is permanently assigned and is not reused.

• Founding Members receive the locked Founding Member pricing then offered for eligible paid individual tiers. Moving between eligible paid tiers does not end the price lock.

• Moving to Explorer, whether by cancellation, failed renewal, or otherwise, starts a 90-day reinstatement period. Returning to an eligible paid tier within that period restores the locked Founding Member pricing.

• If the account remains on Explorer for more than 90 days, the Founding Member designation and number remain, but the pricing lock ends and current pricing applies to any later paid subscription.

• Team seats, add-ons, and future products are not included in the price lock unless we expressly state otherwise.

5. License and Restrictions

5.1 Subject to these Terms and your plan, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access the Services and use authorized Property Data for your lawful internal business or professional purposes.

5.2 You acquire no ownership of our software, database structure, models, scoring systems, compilations, interfaces, documentation, intellectual property, or third-party data. Third-party data remains subject to the rights and restrictions of its source.

5.3 Unless we expressly authorize otherwise, you may not resell or redistribute Property Data; build a competing database, feed, product, service, or model from the Services; scrape or systematically extract data outside authorized features; circumvent limits or security controls; reverse engineer protected technology or scoring methods; or share account access outside permitted team functionality.

5.4 Exports remain subject to these Terms and applicable source restrictions. Your license to Property Data ends when your subscription or authorized access ends. On written request, you must stop using and delete exported Property Data, except records you are legally or professionally required to retain concerning a transaction you actually completed.

5.5 We may monitor usage patterns and volumes to enforce these Terms, protect the Services, and comply with upstream licensing obligations.

6. Property Data, Accuracy, and Your Duty to Verify

6.1 "Property Data" means property, ownership, recorded-instrument, tax, court, municipal, market, geographic, historical, transactional, estimated, derived, and other information available through the Services.

6.2 Property Data may be inaccurate, incomplete, delayed, superseded, inconsistent, misclassified, mistranscribed, or associated with the wrong parcel or person. Government and commercial sources may themselves be wrong or outdated.

6.3 We do not independently verify every item of Property Data and do not represent or warrant that it is accurate, complete, current, or fit for your particular purpose. Source, provider, update, or "as of" information, where shown, is not verification by Property Lantern.

6.4 You are solely responsible for independently verifying information material to a decision before acting on it. You agree not to rely solely on Property Lantern or Property Data when making a material decision concerning a property, person, transaction, communication, or business activity.

7. Estimated Value - Not an Appraisal

7.1 The Services may display estimated values, value ranges, assessor-reported values, assessed values, and related information (“Valuation Information”) from governmental records, licensed providers, automated valuation models, market data, calculations, or combinations of available inputs.

7.2 Valuation Information is not an appraisal, broker price opinion, or comparative market analysis, is not a guarantee of market value or expected sale price, and is not a substitute for professional valuation. Assessed or assessor-reported values may be prepared for taxation or governmental purposes and may differ materially from market value.

7.3 In non-disclosure or limited-disclosure markets, including portions of Missouri, actual sale consideration may not be publicly available for all transactions. Estimates in those markets may rely on limited or alternative inputs.

7.4 Independently determine value before making a material purchase, sale, financing, lending, insurance, tax, investment, or similar decision.

8. Estimates, Scores, and Derived Information

8.1 We may calculate, estimate, classify, score, rank, or derive information from available data, including estimated equity, loan balance, rent, loan-to-value ratios, occupancy classifications, record-based indicators, opportunity scores, property grades, relationship indicators, and prioritization tools.

8.2 Derived information is only as reliable as its inputs, and uncertainty can compound. Scores, tiers, indicators, and rankings are research-prioritization aids, not guarantees, professional recommendations, or statements about a person.

8.3 Derived information must be independently verified before material reliance.

9. Artificial Intelligence and Automated Features

9.1 Certain features may use artificial intelligence or automated analysis to summarize records, explain signals, organize research, classify property information, or assist with other property-research functions.

9.2 Automated outputs may be incomplete, inaccurate, outdated, inappropriate, or wrong, including with respect to property ownership, recorded instruments, and values. Verify material facts before relying on them.

9.3 Automated features are built to describe properties, records, and patterns rather than characterize people. They are not offered as a means of identifying, inferring, ranking, or targeting a person by a protected characteristic or proxy, and you may not use them for that purpose.

9.4 Automated outputs are research aids and not professional advice. Do not provide information to an AI feature that you are not authorized to provide or that is more sensitive than the feature reasonably requires.

10. Resources, Templates, Guides, and Calculators

10.1 The Services may include guides, checklists, sample language, templates, worksheets, calculators, and educational resources for general informational convenience.

10.2 Resources may not reflect the law, market practice, contract requirements, professional rules, or facts applicable to your situation and may become outdated. You are responsible for reviewing and adapting them before use. Calculators are only as accurate as their inputs and assumptions.

11. No Professional Services

Property Lantern is not a substitute for legal, tax, accounting, appraisal, brokerage, title, lending, insurance, investment, engineering, inspection, compliance, or other professional services. Using the Services does not create an attorney-client, broker-client, advisor-client, fiduciary, or similar professional relationship.

12. Your Business, Transactions, and Legal Compliance Are Your Responsibility

12.1 You are solely responsible for identifying, understanding, and complying with the laws, regulations, licensing requirements, professional rules, disclosures, notices, consents, registrations, contracts, and other duties applicable to you, your profession, your business, your communications, and your transactions.

12.2 That responsibility applies whether or not a particular law, rule, or requirement is identified in the Services or these Terms. The absence of a warning or reference does not mean a requirement is inapplicable.

12.3 Property Lantern does not determine whether you are properly licensed, whether a transaction or contract is lawful or sufficient, whether a deadline applies, whether you may contact a person, or whether your contemplated activity complies with law or professional rules.

12.4 Records concerning foreclosure, tax delinquency, probate, bankruptcy, liens, code enforcement, vacancy, distress, or other conditions are research data. Their presence is not a recommendation or instruction to contact, solicit, acquire from, transact with, or take action concerning a person or property.

12.5 If you contact or solicit anyone using information from the Services, you are solely responsible for determining whether and how you may lawfully do so and for complying with laws and rules applicable to your outreach. Property Lantern does not determine consent, maintain your compliance records or suppression lists, or supervise your communications.

12.6 Consumer-reporting purposes are prohibited. Property Lantern is not a consumer reporting agency under the Fair Credit Reporting Act ("FCRA"), and the Services are not assembled or offered for consumer-reporting purposes. You may not use the Services or Property Data to determine or assist in determining a person's eligibility for credit or financing, employment, tenant or housing screening, insurance, or another purpose regulated under the FCRA or comparable law, or in connection with a decision to deny, revoke, or change the terms of such a benefit.

12.7 Nondiscrimination. The Services do not provide search filters, data fields, or scoring inputs based on race, color, religion, national origin, ancestry, sex, sexual orientation, gender identity or expression, pregnancy, familial status, disability, or another protected characteristic. You may not use the Services to unlawfully discriminate, steer, target, exclude, suppress, disadvantage, or infer a protected characteristic or proxy for a discriminatory purpose. Your targeting criteria, decisions, communications, offers, negotiations, transactions, and treatment of other people are your responsibility.

13. Third-Party Data and Connected Accounts

13.1 The Services depend on third-party data, systems, and providers that we do not control. Coverage, accuracy, availability, methods, licenses, or access may change or end. We may add, replace, combine, suspend, or remove sources or integrations.

13.2 To the extent an upstream license expressly requires it, a provider or licensor may be an intended third-party beneficiary of the applicable data-use restrictions in these Terms.

13.3 Where the Services permit you to connect or authorize an account with a third-party service, you represent that you are authorized to do so. Data obtained through that account remains subject to the provider's rules and is available only to users within your account or team who are authorized by that provider. We may restrict access to or delete cached data when required by the provider or when your authorization ends.

14. Dispute Resolution, Arbitration, and Class-Action Waiver

14.1 Federal Arbitration Act. These Terms evidence a transaction involving interstate commerce, and the Federal Arbitration Act, 9 U.S.C. Section 1 et seq., governs this Section.

14.2 Informal resolution first. Before starting arbitration or a lawsuit, the complaining party must send written notice describing the dispute and requested relief to legal@propertylantern.com and the mailing address in Section 28. The parties will attempt in good faith to resolve the dispute for 45 days after receipt.

14.3 Except as stated below, disputes arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its applicable rules.

14.4 Either party may bring an eligible individual claim in small-claims court or seek temporary or preliminary injunctive relief in court concerning unauthorized access, data misuse, intellectual-property infringement, or another threat of immediate harm. Nothing prevents a person from reporting a matter to a government agency.

14.5 Class-action waiver. YOU AND PROPERTY LANTERN AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE IN A CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR OTHER REPRESENTATIVE PROCEEDING.

14.6 You may opt out of arbitration by sending written notice to legal@propertylantern.com within 30 days after first accepting these Terms. The notice must identify your account and state that you are opting out. Opting out does not affect any other part of these Terms.

14.7 The applicable arbitration rules govern filing and arbitration fees. Where those rules would require you to pay a filing fee greater than the fee for filing a comparable claim in court, we will pay the excess on request. Each party otherwise bears its own attorneys’ fees unless law or an award provides otherwise.

14.8 If multiple arbitration demands qualify as a mass arbitration under the administrator's then-current rules, the parties will cooperate with the administrator in accordance with those rules and procedures. Each demand remains an individual arbitration unless the parties agree otherwise.

14.9 If the class-action waiver is unenforceable as to a particular claim or form of relief, that claim or relief proceeds in court and the remainder of this Section remains effective. If the class-action waiver is unenforceable in its entirety, this entire Section 14 is void and Section 15 governs all disputes.

14.10 This Section survives termination and account closure.

15. Governing Law and Venue

These Terms and disputes arising from them or the Services are governed by Missouri law, except that the Federal Arbitration Act governs Section 14 and federal law otherwise applies where controlling. Court proceedings permitted under these Terms must be brought in the state or federal courts located in Cass County, Missouri, and each party consents to jurisdiction and venue there.

16. Alerts, Monitoring, and Reminders

Alerts, reminders, monitoring, and notifications are convenience tools that depend on data and systems we do not fully control. We do not guarantee that an event will be detected or that an alert will be timely or delivered. Do not rely on the Services to meet a legal, contractual, filing, redemption, notice, renewal, or other deadline.

17. Your Content

17.1 "User Content" means information you enter or upload, including notes, tasks, reminders, tags, comments, saved searches, lists, attachments, files, custom fields, self-entered contact details, and feedback.

17.2 As between you and us, you retain ownership of your User Content. You grant us a non-exclusive, worldwide, royalty-free license to host, store, copy, process, transmit, technically adapt, and display User Content as reasonably necessary to provide, secure, support, troubleshoot, improve, and operate the Services and to comply with law. For content in a team workspace, Section 3.4 governs retention and administration.

17.3 You represent that you have the right to provide User Content and that it does not violate law or another person’s rights. Do not store Social Security or other government identification numbers, complete payment-card numbers, financial-account credentials, passwords, medical records, information about another person’s protected characteristics, or other specialized-regulation data unless a feature expressly requests it and states that it is supported.

17.4 Free-text fields may be processed by automated features when necessary to produce an output. Do not record information you are not authorized to store or that is unnecessary for legitimate property research.

18. Prohibited Uses

You may not use the Services to violate law or another person's rights; commit or facilitate fraud, deception, identity theft, stalking, harassment, threats, unlawful surveillance, or discrimination; use data for a prohibited consumer-reporting purpose; conduct unlawful outreach; access systems or accounts without authorization; compromise security; scrape or circumvent contractual or technical limits; build a competing data product or model; resell or redistribute Property Data except as expressly permitted; or take action reasonably likely to create liability for Property Lantern or cause a provider to restrict our access.

19. Intellectual Property and Feedback

19.1 The Services and their original software, interfaces, design, organization, documentation, field definitions, scoring systems, models, compilations, trademarks, branding, and other intellectual property are owned by or licensed to Property Lantern. Underlying third-party and public data remains subject to the rights of its source.

19.2 If you send suggestions, feedback, or ideas, you grant us an unrestricted, royalty-free, perpetual right to use them without obligation or compensation. This does not give us ownership of your private User Content.

19.3 Copyright notices may be sent to Property Lantern LLC, 117 S Lexington St, Ste 100, Harrisonville, MO 64701, dmca@propertylantern.com. We may remove infringing material and terminate repeat infringers as applicable.

20. Privacy

Our handling of personal information is described in the Property Lantern Privacy Policy, which is incorporated into these Terms by reference.

21. Changes to the Services; Suspension; Termination

21.1 We may add, change, suspend, or discontinue features, data sources, integrations, interfaces, plans, or other portions of the Services. We provide notice where reasonably practicable or legally required.

21.2 We may restrict, throttle, suspend, or terminate access if we reasonably believe you breached these Terms; your use is unlawful or unsafe; fees are unpaid; you are scraping, sharing credentials, or circumventing limits; your use violates an upstream license; or restriction is reasonably necessary to protect the Services, users, providers, or Property Lantern; or we are required to do so by law, court order, or a binding directive from a governmental authority or upstream provider.

21.3 You may cancel or close your account using available methods. On termination, your access ends and your rights in Property Data are governed by Section 5.4. Account information and User Content are retained or deleted as described in the Privacy Policy.

22. Disclaimer of Warranties

Property Lantern and its licensors and data providers disclaim all express, implied, statutory, and other warranties, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, reliability, availability, and results. We do not warrant that data or outputs are correct or current, that a particular record or event will be found, that the Services will be uninterrupted or error-free, or that use of the Services will produce any particular result. Your use of the Services and reliance on them is at your own risk. Nothing in these Terms excludes a warranty that cannot legally be excluded.

23. Assumption of Risk and Independent Responsibility

Real estate, investment, lending, insurance, contracting, marketing, and other business activities carry independent risk. Property Lantern does not participate in, control, or supervise what you choose to do with Property Data. You assume responsibility for your research, verification, communications, offers, negotiations, contracts, transactions, professional conduct, legal compliance, and the consequences of those decisions.

24. Indemnification

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless Property Lantern LLC and its members, managers, officers, employees, contractors, affiliates, licensors, data providers, service providers, successors, and assigns from third-party claims, proceedings, investigations, regulatory inquiries, damages, judgments, settlements, penalties, fines, losses, liabilities, costs, and reasonable attorneys' fees arising out of or relating to your use or misuse of the Services or Property Data; your breach of these Terms; your violation of law, professional rules, contracts, or another person's rights; your communications or outreach; your prohibited consumer-reporting or discriminatory use; your User Content; your connected-account data; your transactions or professional conduct; or the acts of people using your account or acting for your organization. We may control the defense or settlement at your expense, and you may not settle in a way that imposes an obligation on or admits fault by Property Lantern without our written consent.

25. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROPERTY LANTERN AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, DATA PROVIDERS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, BUSINESS, OPPORTUNITIES, TRANSACTIONS, DATA, GOODWILL, OR REPUTATION; BUSINESS INTERRUPTION; COST OF SUBSTITUTE SERVICES; OVERPAYMENT OR UNDERPAYMENT FOR PROPERTY; OR LOSS ARISING FROM INACCURATE OR DELAYED DATA, MISSED ALERTS, OR RELIANCE ON AN ESTIMATE, SCORE, MODEL, CALCULATION, RESOURCE, OR AUTOMATED OUTPUT.

To the maximum extent permitted by law, our total aggregate liability for all claims arising out of or relating to the Services or these Terms will not exceed the greater of (a) $100 or (b) the total amount you paid Property Lantern for the Services during the 12 months immediately preceding the event giving rise to the claim. Nothing in these Terms limits liability that cannot legally be limited.

Any claim arising out of or relating to the Services or these Terms must be filed within one year after the claim arises or it is permanently barred, except where applicable law does not permit shortening the limitations period for that claim.

26. Changes to These Terms

26.1 We may revise these Terms. For a material change, we will provide reasonable notice where required and update the version and Last Updated date. We may require renewed affirmative acceptance where appropriate or legally required.

26.2 A revision does not retroactively change a dispute of which either party gave formal notice before the revision took effect and does not alter an existing Founding Member price commitment without the consent required by that commitment.

26.3 Prior versions are maintained at propertylantern.com/terms.

27. General Terms

27.1 Notices. We may provide notices through the Services, by email, or by another legally permitted method. Legal notices to Property Lantern must be sent to legal@propertylantern.com and, where required, the mailing address in Section 28.

27.2 Force majeure. Neither party is liable for failure or delay caused by events beyond reasonable control, including outages, cyberattacks, government action, natural disasters, or interruption of a third-party data source. This does not excuse payment already due.

27.3 Survival. Provisions that by their nature should survive termination remain effective, including data-use restrictions, verification obligations, responsibility allocation, intellectual-property terms, warranty disclaimers, indemnification, liability limitations, arbitration, and governing law.

27.4 If a provision is unenforceable, it will be limited or severed to the minimum extent necessary and the remainder remains effective. Section 14.9 governs arbitration. Failure to enforce a provision is not a waiver.

27.5 You may not assign these Terms or your account without our written consent. We may assign them in connection with a merger, acquisition, financing, reorganization, or sale of assets.

27.6 These Terms, the Privacy Policy, applicable order forms, and terms expressly incorporated by reference constitute the agreement regarding the Services. A signed order form controls to the extent of a conflict.

27.7 You consent to electronic transactions, notices, signatures, and records where permitted by law. You are responsible for complying with applicable U.S. sanctions and export-control laws.

28. Contact

Property Lantern LLC
117 S Lexington St, Ste 100
Harrisonville, Missouri 64701

General support: support@propertylantern.com

Legal notices and arbitration opt-out: legal@propertylantern.com

Privacy requests and corrections: propertylantern.com/privacy-request / privacy@propertylantern.com

Security reports and account compromise: security@propertylantern.com

Copyright notices: dmca@propertylantern.com