Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) are a binding agreement between you and DebtJockey LLC, a California limited liability company (“Debt Jockey,” “we,” “us”). By accessing debtjockey.com or any related services (the “Service”), you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

You must be at least 18 years old and using the Service for business purposes. By using the Service on behalf of an organization, you represent that you have authority to bind that organization.

2. The Service — And What It Is Not

Debt Jockey provides software tools for commercial real estate finance professionals, including loan sizing calculators, yield maintenance and defeasance estimators, deal tracking, and related workflow features.

Critical disclaimers you acknowledge by using the Service:

• All outputs are indicative estimates only. They are based on general industry norms, publicly available program guidelines, and inputs you provide.
• Outputs are not offers, quotes, rate locks, term sheets, or commitments to lend. No output creates any obligation on any lender.
• Debt Jockey is not a lender, mortgage broker, investment adviser, or law firm. Nothing in the Service constitutes financial, investment, legal, or tax advice.
• You must independently verify all outputs with a licensed lender or qualified professional before relying on them for any transaction or client communication.
• Market data (including Treasury and SOFR rates) is sourced from third parties and may be delayed or inaccurate. Program parameters change; we do not guarantee outputs reflect current lender guidelines.
• Debt Jockey is not affiliated with, endorsed by, or sponsored by Fannie Mae, Freddie Mac, or any lender or government agency. Program names are used solely to describe loan categories.

3. Beta Status

Portions of the Service are offered on an early-access (“beta”) basis. Beta features may change, be interrupted, or be discontinued at any time, and data associated with beta features may be modified or deleted. Beta access may be granted, limited, or revoked at our discretion. Your feedback on beta features may be used by us without restriction or obligation.

4. Accounts and Subscriptions

Free tier. We may offer limited free use (e.g., a capped number of sizings) without an account. Free usage limits are enforced at our discretion and may change.

Paid plans. Paid subscriptions are billed in advance monthly or annually via our payment processor. Prices are listed at debtjockey.com and may change with at least 30 days’ notice; changes apply at your next renewal. Subscriptions renew automatically until canceled. You may cancel anytime, effective at the end of the current billing period. Except where required by law, payments are non-refundable, including for partial periods.

Founding-member or promotional pricing applies only while the subscription remains continuously active.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

5. Your Content and Data

“User Content” means deal data, property information, contact records, documents, and any other material you input or upload.

• You own your User Content. You grant us a limited, worldwide, non-exclusive license to host, process, display, and transmit User Content solely to operate and improve the Service.
• Share links. When you generate a share link or PDF, anyone with access to that link or file can view the shared content. You are responsible for what you share and with whom.
• Aggregated data. We may use de-identified, aggregated data derived from use of the Service (e.g., anonymized market statistics or benchmarks) for any lawful purpose, including published analytics. We will not sell or disclose deal-level User Content in identifiable form.
• You represent that you have the right to input any User Content you provide and that it does not violate any third party’s rights or any confidentiality obligation you owe.

6. Acceptable Use

You agree not to:

• Reverse engineer, scrape, copy, resell, or white-label the Service without written agreement;
• Share one account across multiple users beyond your plan’s seat count;
• Use the Service to violate any law or regulation, or to misrepresent outputs as lender commitments;
• Circumvent free-tier limits, paywalls, or security measures;
• Upload malicious code or interfere with the Service’s operation;
• Use outputs to train competing software or machine-learning models.

We may suspend or terminate accounts that violate these Terms.

7. Intellectual Property

The Service — including software, design, calculators, methodologies, branding, and content (excluding User Content) — is owned by Debt Jockey and protected by intellectual property laws. No rights are granted except the limited right to use the Service per these Terms. Feedback you provide may be used by us without obligation.

8. Third-Party Services

The Service relies on third-party providers (e.g., hosting, payments, market data). We are not responsible for third-party services, and your use of them may be subject to their terms.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUTPUTS WILL BE ACCURATE, CURRENT, OR ERROR-FREE, OR THAT THE SERVICE WILL BE UNINTERRUPTED.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DEALS, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THE SERVICE — INCLUDING ANY DECISION MADE OR ACTION TAKEN IN RELIANCE ON ANY OUTPUT; AND (B) OUR TOTAL AGGREGATE LIABILITY WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM.

Some jurisdictions do not allow certain limitations; these apply to the fullest extent permitted.

11. Indemnification

You will indemnify and hold harmless Debt Jockey and its owners, employees, and agents from claims, damages, and expenses (including reasonable attorneys’ fees) arising from your User Content, your use of the Service, your violation of these Terms, or your violation of any law or third-party right — including any claim by your client or counterparty based on reliance on Service outputs.

12. Termination

You may stop using the Service at any time. We may suspend or terminate access for violation of these Terms, non-payment, or risk to the Service, with notice where practicable. Upon termination, your right to use the Service ends; Sections 5 (license for aggregated data), 7, and 9–15 survive. For 30 days after termination of a paid account, you may request an export of your User Content, after which we may delete it.

13. Governing Law and Disputes

These Terms are governed by California law, without regard to conflict-of-law rules. Any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by JAMS in Orange County, California, under its applicable rules. The arbitrator’s award will be final and may be entered as a judgment in any court of competent jurisdiction. You and Debt Jockey each waive any right to a jury trial and agree that disputes may be brought only in an individual capacity — not as a plaintiff or class member in any purported class, collective, or representative proceeding. Either party may (a) bring an individual claim in small claims court in Orange County, California instead of arbitration, or (b) seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property or confidential information. If the class action waiver is found unenforceable as to a particular claim, that claim (and only that claim) shall proceed in the courts of Orange County, California.

14. Changes to These Terms

We may update these Terms. Material changes will be communicated via the Service or email with reasonable notice. Continued use after the effective date constitutes acceptance.

15. Miscellaneous

These Terms plus the Privacy Policy are the entire agreement. If any provision is unenforceable, the remainder stands. We may assign these Terms in connection with a merger or sale; you may not assign without our consent. No waiver is implied by any failure to enforce.

Contact: DebtJockey LLC · Irvine, California · carson@debtjockey.com