Last Updated: January 2025
Contact: support@ownerfi.ai
Ownerfi is a property search and lead-generation platform for owner-finance–friendly real estate.
We:
Ownerfi does NOT verify listing details or confirm availability.
⚠️ Read Before You Tour, Travel, or Sign Anything
You agree that costs you incur in reliance on these tags — including travel, inspections, appraisals, attorney fees, application fees, and earnest money — are your own responsibility. Ownerfi is not liable for any such costs whether or not the listing turns out to be available, accurate, or suitable.
Mortgage Licensing & Servicemember Notes
Ownerfi:
All representation services come from licensed real estate agents, not from Ownerfi.
Fee Clarification
We do not receive a commission on real estate transactions. Any fees paid to us are fees for advertising and lead-generation services, not real estate brokerage commissions.
By submitting your information on Ownerfi, you authorize us to share your profile (name, phone, email, property interest, budget, and relevant details) with licensed real estate agents in your general area.
📞 How Agents Will Contact You
These agents may contact you via:
Their goal is to help you:
📱 Express Consent to Contact (TCPA / Do-Not-Call)
By submitting your phone number, email address, or other contact information to Ownerfi, you expressly consent to receive calls, text messages, and emails from Ownerfi and from Partner Agents we share your information with, including:
Consent is not a condition of purchasing any goods or services. You may revoke consent at any time by:
✅ You Have a Choice
If you prefer not to be represented:
Partner Agents must follow:
⚠️ Ownerfi Is Not Responsible For:
🏠 Fair Housing Complaints
Partner Agents must comply with the federal Fair Housing Act and your state's fair-housing laws. It is illegal for an agent to refuse service, treat you differently, or steer you based on race, color, national origin, religion, sex (including gender identity and sexual orientation), familial status, disability, or any other protected class.
If you believe an agent has discriminated against you:
📣 Report Agent Abuse or Harassment
If a Partner Agent contacts you after you've asked them to stop, behaves unprofessionally, makes deceptive statements about a property, or pressures you, email support@ownerfi.ai with "AGENT REPORT" in the subject line. Include the agent's name and the date(s) of contact. Ownerfi may, in our discretion, review reports and suspend or remove agents found in violation of these Terms; however, Ownerfi makes no guarantee of any particular response, timeframe, or outcome.
Ownerfi relies on public data sources, MLS feeds, and automated systems.
🚨 Critical Disclaimer
Therefore:
You MUST independently verify all property information with licensed professionals.
Ownerfi does not:
You agree to:
Independent Verification Required
You agree not to make any purchase or financing decision based solely on information from our platform without independent verification from licensed professionals (real estate agents, attorneys, financial advisors, home inspectors, etc.).
Any payment calculations shown on Ownerfi are illustrative estimates only and may differ substantially from actual seller terms.
They are NOT commitments or quotes.
⚠️ Liability Limitation
Ownerfi is not liable for:
Your sole remedy is to stop using the Service.
To the maximum extent permitted by law, Ownerfi's total aggregate liability for any claim arising out of or related to the Service or these Terms is limited to the greater of (a) the total fees you paid Ownerfi in the twelve months preceding the claim, or (b) US$500. This cap does not apply to (i) Ownerfi's gross negligence or willful misconduct, or (ii) claims that cannot be limited by contract under applicable law (such as certain TCPA, Fair Housing Act, or state consumer-protection statutory claims).
Ownerfi has no role in any purchase contract, earnest money deposit, escrow, financing, title work, inspection, appraisal, or closing. We do not hold, transfer, or insure any funds.
Real estate transactions involve significant financial risk. Owner-finance terms (down payment, interest rate, balloon, default remedies) should be reviewed by a licensed attorney before you sign anything. Auctions and foreclosures carry additional risks including title defects, occupancy disputes, and as-is condition. Cash deals from distressed sellers can involve fraud — verify every counterparty independently.
⚠️ Wire fraud warning: Ownerfi never sends, receives, or instructs the wiring of funds. If you receive wire instructions claiming to be from Ownerfi, or if closing wire instructions arrive by email near a closing date, treat them as potentially fraudulent. Always verify wire instructions by phone using a number you independently obtained from the title company or escrow agent — never use a number contained in the email itself.
All payments made to Ownerfi (if any) are non-refundable, except where prohibited by law or where we fail to provide the agreed-upon service.
If you believe you are entitled to a refund due to service failure or applicable law, contact support@ownerfi.ai.
Any disputes arising from these Terms or your use of our Service are resolved by binding arbitration, not in court, except as provided below.
Governing Law: These Terms are governed by the laws of the State of Tennessee, without regard to conflict of law principles.
Class Action Waiver
You waive any right to participate in a class action, class arbitration, or other representative action. All disputes must be brought in your individual capacity, not as a plaintiff or class member in any purported class or representative proceeding.
Opt-Out Right
You may opt out of this arbitration agreement by sending written notice to support@ownerfi.ai within 30 days of first accepting these Terms. Your notice must include your name, address, email, and a clear statement that you wish to opt out of arbitration.
Small Claims Exception
Either party may bring qualifying claims in small claims court in the county of your residence or in Nashville, Tennessee, if the claims fall within that court's jurisdiction.
Arbitration Administrator & Fees
Arbitration is conducted by the American Arbitration Association (AAA)under its Consumer Arbitration Rules (available at adr.org), or, if AAA is unavailable, by another mutually agreed administrator.
Consistent with AAA Consumer Rules, for any consumer claim Ownerfi will pay all arbitration filing, administrative, and arbitrator fees that exceed the equivalent filing fee in your local state court (typically all fees over US$200). You remain responsible for your own attorney's fees unless a statute or the arbitrator awards them. The arbitration may be conducted in person, by phone, by video, or on documents only, at your election where the AAA rules permit.
We may modify these Terms at any time. Continued use constitutes acceptance.
Ownerfi strives to make our website usable by people with disabilities and aims to conform to WCAG 2.1 Level AA guidelines where reasonably feasible. We test with screen readers and keyboard navigation and address accessibility issues on an ongoing basis.
If you encounter an accessibility barrier on our site, or need information presented in an alternative format, please email support@ownerfi.ai with "ACCESSIBILITY" in the subject line. We'll work in good faith to address the issue or provide the requested information through an alternative channel.
Force Majeure. Ownerfi is not liable for delays or failures caused by events beyond our reasonable control, including natural disasters, internet or hosting outages, third-party API failures (data providers, payment processors, SMS/email carriers), governmental action, or labor disputes.
Severability. If any provision of these Terms is held unenforceable, the remaining provisions remain in full force and effect.
Survival. Sections covering Limitation of Liability, Indemnification, Dispute Resolution, Class Action Waiver, Refund Policy, and these General Terms survive termination or expiration of these Terms.
No Assignment. You may not assign these Terms or your account to anyone else without our written consent. Ownerfi may assign these Terms to an affiliate, acquirer, or successor.
Entire Agreement. These Terms, together with our Privacy Policy and any referral agreements you sign, constitute the entire agreement between you and Ownerfi and supersede any prior understanding.
Service Outside the United States. The Service is offered to users in the United States. We do not target, market, or knowingly accept users in the European Economic Area, United Kingdom, or other jurisdictions with comprehensive personal-data laws (such as GDPR). If you access the Service from outside the U.S., you do so at your own risk and agree that U.S. law governs.
✅ By Using Ownerfi, You Agree
By using Ownerfi, you acknowledge that you have read and agree to these Terms of Service. You understand that: (1) your contact information will be shared with licensed real estate agents who may contact you; (2) agents pay Ownerfi a referral fee when you close; (3) you can decline representation at any time; (4) Ownerfi does not verify property information; (5) all data may be inaccurate or outdated; (6) you must independently verify all information with licensed professionals; (7) you give express written consent to receive auto-dialed/pre-recorded calls and SMS from Ownerfi and Partner Agents per Section 3, even if your number is on a Do-Not-Call list, and you may revoke that consent at any time; (8) Owner-finance, cash-deal, and auction tags are descriptive, not commitments — sellers may decline owner financing, cash deals are for investors, and auction prices are estimates; (9) you are solely responsible for all costs you incur in reliance on listings (travel, inspections, attorney fees, deposits); and (10) Ownerfi's total liability to you is limited as described in Section 10.