1. What OwnerFi Does
OwnerFi is a property search and lead-generation platform for owner-finance–friendly real estate.
We:
- Collect publicly available listing data
- Display properties that appear to offer owner financing
- Allow users to sign up and express interest in properties
- Share user contact information with licensed real estate agents ("Partner Agents") in the user's local market
- Allow Partner Agents to contact the user to offer:
- Showing appointments
- Writing offers
- Buyer representation
- Owner-finance guidance
- Transaction assistance
OwnerFi does NOT verify listing details or confirm availability.
2. OwnerFi Is NOT Your Agent
OwnerFi:
- Is not a real estate brokerage
- Does not represent buyers or sellers
- Does not provide legal, financial, or loan advice
- Does not negotiate offers
- Does not participate in transactions
All representation services come from licensed real estate agents, not from OwnerFi.
3. User Contact Information Is Shared With Real Estate Agents
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:
- schedule showings
- make offers
- understand owner-finance options
- navigate the purchase process
4. Users May Decline Representation
✅ You Have a Choice
If you prefer not to be represented:
- You may tell any agent who contacts you: "I do not wish to be represented."
- It is the agent's responsibility to stop contacting you once notified.
- OwnerFi is not responsible for ongoing communication from agents after you decline representation.
5. Agent Behavior
Partner Agents must follow:
- federal and state real estate laws
- consumer protection requirements
- Do-Not-Call rules (once you ask them to stop)
⚠️ OwnerFi Is Not Responsible For:
- agent conduct
- agent communication frequency
- advice provided by agents
- negotiation outcomes
6. Property Information Disclaimer
OwnerFi relies on public data sources, MLS feeds, and automated systems.
🚨 Critical Disclaimer
Therefore:
- We do not verify any property details
- Information may be inaccurate, outdated, or incomplete
- Owner-finance terms may change without notice
- Listings may be sold, withdrawn, or unavailable
You MUST independently verify all property information with licensed professionals.
7. No Guarantees or Approvals
OwnerFi does not:
- approve buyers
- prequalify buyers
- guarantee financing
- guarantee owner-finance availability
- promise any property is still available
8. User Responsibilities
You agree to:
- verify all property details independently
- communicate directly with agents for showings and offers
- notify agents if you do not want representation
- verify owner-finance terms directly with sellers or their agents
9. Payment Estimates Disclaimer
Any payment calculations shown on OwnerFi are illustrative estimates only and may differ substantially from actual seller terms.
They are NOT commitments or quotes.
10. Limitation of Liability
⚠️ Liability Limitation
OwnerFi is not liable for:
- inaccurate data
- communication from agents
- decisions made based on OwnerFi's displays
- losses, disputes, failed offers, or denied approvals
Your sole remedy is to stop using the Service.
11. No Refunds
All payments made to OwnerFi (if any) are non-refundable.
12. Arbitration
Any disputes are resolved by binding arbitration, not in court.
13. Changes to Terms
We may modify these Terms at any time. Continued use constitutes acceptance.
✅ 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) you can decline representation at any time; (3) OwnerFi does not verify property information; (4) all data may be inaccurate or outdated; and (5) you must independently verify all information with licensed professionals.