Last updated: September 3, 2025
By accessing or using OwnerFi ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. You must be at least 18 years old and legally capable of entering into contracts to use this service.
OwnerFi is a platform that:
Important: Buyers do not pay for use of OwnerFi. Our service is free for buyers. Payments are made by licensed real estate professionals for access to leads. Your use of the service is also governed by our Privacy Policy, which describes how we collect, use, and share your information.
⚠️ CRITICAL LEGAL DISCLAIMER
OWNERFI IS NOT A LICENSED REAL ESTATE BROKER, AGENT, OR LENDER IN ANY STATE. We do not:
WE ARE SOLELY A LEAD GENERATION AND MARKETING PLATFORM CONNECTING CONSUMERS WITH LICENSED REAL ESTATE PROFESSIONALS.
🏛️ STATE LICENSING DISCLOSURES
California: Not licensed by California Bureau of Real Estate. License #: N/A
Texas: Not licensed by Texas Real Estate Commission (TREC). TSB #: N/A
Florida: Not licensed by Florida Department of Business & Professional Regulation
New York: Not licensed by New York Department of State
All States: We are not licensed to provide real estate brokerage services in any jurisdiction
📞 MARKETING & COMMUNICATION CONSENT
BY REGISTERING, YOU EXPRESSLY CONSENT TO:
Message and data rates may apply. This consent is required to use our service.
When you register as a buyer, your information including but not limited to name, email, phone number, and property preferences WILL BE SOLD to real estate professionals who serve your area. You WILL BE CONTACTED by multiple agents regarding properties and services.
📞 OWNERFI COMMUNICATION RIGHTS
By registering, you expressly consent to OwnerFi contacting you via phone, text, and email for:
This includes automated calls and texts. Message and data rates may apply.You consent to these communications as part of using our platform, even if your number is on a Do Not Call registry.
🚨 AGENT COMPLIANCE & LIABILITY LIMITATION
OwnerFi is not responsible for agent compliance with TCPA, state telemarketing laws, or communication regulations.
Each agent is an independent contractor responsible for:
You acknowledge that OwnerFi cannot control agent communication practices after lead sale and agree to direct any compliance issues to the individual agent, not OwnerFi.
🏛️ STATE-SPECIFIC TCPA COMPLIANCE
Additional state laws may apply beyond federal TCPA requirements:
You consent to contact under both federal and applicable state laws. Agents purchasing leads are responsible for compliance with all applicable laws in their jurisdiction and yours.
📋 REAL ESTATE AGENT OBLIGATIONS
Licensed real estate professionals who purchase leads through OwnerFi agree to:
🚨 AGENT LIABILITY: Agents are independent contractors. OwnerFi is not responsible for agent compliance failures, spam, or regulatory violations. Direct all communication complaints to the individual agent and their brokerage.
💰 NO REFUNDS POLICY
ALL PAYMENTS FOR LEADS OR SERVICES ARE FINAL AND NON-REFUNDABLE.
Payments are made exclusively by licensed real estate professionals for access to leads.
OwnerFi does not guarantee:
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE SPECIFICALLY DISCLAIM ALL WARRANTIES INCLUDING BUT NOT LIMITED TO:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OWNERFI AND ITS OWNERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR:
All property information is provided by third parties and may be inaccurate, incomplete, or outdated. You acknowledge that:
OwnerFi does NOT specify or guarantee the type of financing arrangement for any property listing.
Properties may involve various financing structures including but not limited to: seller financing, subject-to arrangements, contract for deed, lease-to-own, or traditional financing. It is the buyer's sole responsibility to verify and understand the exact financing structure being offered.
Before entering any agreement, you must independently verify:
OwnerFi makes no representations regarding:
You must verify all property details independently through appropriate professionals.
OwnerFi strongly recommends consulting these professionals BEFORE signing any agreement:
🚨 OWNERFI DISCLAIMS ALL LIABILITY FOR BUYER'S FAILURE TO VERIFY DEAL TYPES, PROPERTY STATUS, OR FINANCING ARRANGEMENTS. ALL VERIFICATION IS BUYER'S SOLE RESPONSIBILITY.
OwnerFi does not provide legal, financial, tax, or real estate advice. Information on this platform is for informational purposes only. You should consult qualified professionals before making any real estate or financial decisions.
You agree to:
Our service may contain links to or integrate with third-party websites, services, or applications. We are not responsible for the content, privacy practices, or terms of service of any third parties.
We reserve the right to modify, suspend, or discontinue the service at any time without notice. We may also update these Terms at any time, and continued use constitutes acceptance of any changes.
We reserve the right to immediately suspend or terminate your account and access to the service if you:
Upon termination, you forfeit any unused credits or payments and remain liable for all obligations incurred.
All content on OwnerFi, including but not limited to trademarks, logos, text, graphics, software, and design elements, are the exclusive property of OwnerFi or our licensors. You may not copy, modify, distribute, or create derivative works without our express written permission.
OwnerFi (operated by Prosway) is a marketing and lead-generation platform only. We are NOT a licensed real estate broker, agent, lender, title company, attorney, or financial advisor. We do not negotiate, structure, or close any transactions. All property, financing, and investment decisions are the sole responsibility of the users of the platform.
All property information, financial figures, payment estimates, and other data displayed on OwnerFi are provided by third parties (sellers, agents, or automated sources). OwnerFi makes no representation or warranty as to the accuracy, completeness, or reliability of this information. Users must independently verify all property details, financing terms, tax obligations, insurance requirements, and homeowner association (HOA) fees before making any purchase or investment decision.
Nothing provided on OwnerFi should be considered legal, financial, tax, or real estate advice. Users are encouraged to consult with licensed professionals, including but not limited to real estate brokers, attorneys, title companies, financial advisors, and tax specialists, before entering into any agreement.
By using OwnerFi, you acknowledge and agree that:
To the maximum extent permitted by law, OwnerFi and its parent company Prosway, including all officers, directors, employees, contractors, and affiliates, shall not be liable for any losses, damages, claims, or expenses (including but not limited to direct, indirect, incidental, consequential, punitive, or special damages) arising out of or related to:
You agree to indemnify, defend, and hold harmless OwnerFi, Prosway, and their affiliates from and against any and all claims, damages, losses, liabilities, costs, or expenses (including attorney's fees) arising from: (a) Your use of the platform; (b) Your participation in any transaction or investment opportunity; (c) Your violation of any law, regulation, or third-party rights.
🚨 MAXIMUM LIABILITY PROTECTION
OWNERFI'S TOTAL LIABILITY TO YOU SHALL NOT EXCEED $100 (ONE HUNDRED DOLLARS) REGARDLESS OF THE NATURE OF YOUR CLAIM.
WE ARE NOT LIABLE FOR:
YOU USE OUR PLATFORM ENTIRELY AT YOUR OWN RISK.
🏠 PROPERTY INFORMATION DISCLAIMERS
ALL PROPERTY LISTINGS AND DESCRIPTIONS ARE SUBJECT TO THE FOLLOWING DISCLAIMERS:
1. Payment Estimates Only
All payment amounts shown are approximate examples only and not guaranteed. Actual payments may vary significantly based on multiple factors.
2. Additional Costs Not Included & Escrow Responsibility
Monthly payment estimates do not include property taxes, insurance, HOA fees, maintenance, utilities, or other ownership costs. Unlike traditional bank loans, there is typically no escrow account established to collect and pay these expenses. Buyers are solely responsible for determining amounts owed, payment due dates, and ensuring timely direct payments to taxing authorities, insurance providers, and HOA organizations. Failure to pay these obligations may result in penalties, liens, loss of coverage, or foreclosure.
3. Financing Terms Are Examples Only
Interest rates, loan terms, down payment requirements, and buyer qualifications shown are examples only and not offers to finance.
4. Not a Loan Offer or Commitment
OwnerFi does not make loans, provide financing, or commit to any lending arrangements. All financing is between buyer and property owner only.
5. Credit Approval Required
All financing arrangements require approved credit and buyer qualifications as determined solely by the property owner or their designated lender. Sellers have the right to perform credit checks and may require credit reports, income verification, and background checks.
6. No Guarantee of Approval or Availability
OwnerFi does not guarantee financing approval, property availability, or successful transaction completion for any buyer. Properties shown may no longer be available, sellers may have changed their financing terms, or sellers may no longer be interested in owner financing. We are simply letting you know what possible owner finance deals are out there - not guaranteeing availability or seller commitment.
7. Balloon Payment Disclosure
Owner financing arrangements may include balloon payments where remaining loan balance becomes due at specified intervals (typically 3-5 years) requiring refinancing or full payment.
8. Seller Discretion Reserved
Property owners reserve the absolute right to accept, reject, or negotiate any offer at their sole discretion without obligation or explanation.
These disclaimers apply to all property information displayed on our platform regardless of source or format.
💰 INVESTMENT RISK DISCLOSURE
REAL ESTATE INVESTMENTS INVOLVE SUBSTANTIAL RISK OF LOSS.
You acknowledge and understand that:
CONSULT LICENSED FINANCIAL ADVISORS BEFORE MAKING ANY INVESTMENT DECISIONS.
⚖️ BINDING ARBITRATION & CLASS ACTION WAIVER
BY USING THIS SERVICE, YOU AGREE TO:
These Terms shall be governed by the laws of the State of Texas. Any disputes arising from these Terms or your use of the service shall be resolved exclusively through binding arbitration in accordance with the rules of the American Arbitration Association. You agree that any arbitration will be conducted on an individual basis and not as part of a class action or class-wide arbitration.
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.
If you have questions about these Terms, please contact us at:
OwnerFi (operated by Prosway)
Email: admin@prosway.com
Address: 6699 Fletcher Creek Cove, Memphis, TN 38133
By using OwnerFi, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.