Terms of Service

Last updated: May 28, 2026

Welcome to Close It Yourself ("CIY," "we," "us," or "our"). These Terms of Service (the "Terms") govern your use of our website at closeityourself.com and all related services, features, content, and applications (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Service.

1. Acceptance of Terms; Eligibility

By creating an account or using the Service, you represent that (a) you are at least 18 years of age, (b) you have the legal capacity to enter into a binding contract, and (c) you are not barred from using the Service under applicable law. The Service is intended for use by residents of the United States only.

2. Description of Service

CIY is a technology platform that provides educational tools, informational resources, and AI-assisted general information to help residential home buyers learn about the home buying process. Features may include property search, a mortgage calculator, a buyer timeline and checklist, document storage for personal reference, service provider directories, and an AI chat assistant.

3. User Accounts

You may sign in using a supported third-party identity provider (currently Google or Apple). You are responsible for maintaining the security of your account and for all activity occurring under it. You agree to provide accurate, current information and to notify us promptly of any unauthorized access at support@closeityourself.com. We may suspend or terminate accounts that violate these Terms.

4. Subscriptions, Billing, and Refunds

Certain features (the "Premium Service" or "CIY Package") require payment. By purchasing, you agree to the following:

• Pricing. Current pricing is displayed on our Pricing page. The CIY Package is a single one-time payment that includes a fixed period (currently six (6) months) of full access to the Premium Service. The exact amount and the included access period are disclosed at checkout before you authorize payment. There is no recurring or subscription charge.
• No automatic renewal. The CIY Package is a one-time purchase. It does not auto-renew and does not create a recurring subscription. When your included access period ends, your access reverts to the free tier and your payment method is not charged again unless you choose to purchase again.
• No refunds. The one-time CIY Package payment is non-refundable, including for any unused portion of the access period.
• Price changes. We may change pricing at any time. Price changes are prospective only and do not affect a purchase you have already completed.
• Payment processing. Payments are processed by Stripe, Inc. We do not store full credit or debit card numbers. Your use of Stripe is subject to Stripe's own terms and privacy policy.
• Taxes. You are responsible for any sales, use, value-added, or similar taxes that apply to your purchase, except for taxes based on our net income.
• California residents. The CIY Package is a one-time purchase, not an automatically renewing subscription, so the automatic-renewal requirements of California Business and Professions Code §§17600 et seq. do not apply.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any law or regulation
• Attempt to access, tamper with, or use non-public areas of the Service, or probe, scan, or test the vulnerability of any system or network
• Scrape, crawl, spider, or use automated means to access the Service or collect data from it, except for public search engines complying with our robots directives
• Resell, sublicense, white-label, or commercially redistribute the Service or any data obtained from it
• Upload malware, viruses, or any code intended to harm or disrupt the Service or any user
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Use the Service to harass, defame, or harm another person
• Use the Service for any activity that would constitute the practice of real estate brokerage or law in any jurisdiction without the appropriate license
• Reverse engineer, decompile, or attempt to extract the source code of any portion of the Service, except to the extent this restriction is prohibited by law

We may remove content, suspend accounts, or terminate access for suspected violations without prior notice.

6. User Content and Uploaded Documents

You may upload documents, notes, checklist items, and other content ("User Content") to the Service for your own reference. You retain ownership of your User Content. By submitting it, you grant CIY a limited, non-exclusive, royalty-free license to host, store, and display that content solely to operate and provide the Service to you.

You are solely responsible for the content you upload. You represent that you have the right to upload it and that it does not violate any third-party right. We recommend that you redact account numbers, Social Security numbers, and other sensitive information from documents before uploading. Do not upload documents for anyone other than yourself without their consent.

7. AI Assistant

The AI chat assistant is powered by third-party large language models accessed through our vendor (OpenRouter). AI output is generated statistically and may contain errors, omissions, or outdated information. The AI is configured not to provide property-specific pricing or negotiation recommendations, not to draft legal documents, and not to provide individualized legal, financial, or tax advice, but you should not rely on the AI as a substitute for a licensed professional. You are solely responsible for verifying any output before acting on it.

You own the prompts you submit. As between you and CIY, you may use the AI output for your personal home-buying process; you may not resell or commercialize it. We do not claim ownership of AI output.

8. Third-Party Services and Links

The Service integrates with, links to, or relies on third-party services, including (without limitation): property listing data providers accessed via the RapidAPI marketplace; Stripe (payments); OpenRouter (AI); Google and Apple (authentication); Resend (email delivery); Amazon Web Services (document storage); Mapbox (mapping and geocoding); and PostHog (product analytics). We are not responsible for third-party content, services, or practices. Your use of third-party services is governed by their own terms and privacy policies.

The Service may also surface links to third-party service providers (attorneys, inspectors, lenders, title companies, insurance agents, etc.). Listings or links are provided for your convenience and do not constitute an endorsement, referral relationship, or warranty of the provider's qualifications, licensure, or work quality. You are responsible for your own due diligence before engaging any third party.

9. Intellectual Property

The Service, including its software, design, text, graphics, and trademarks ("CIY Content"), is owned by Close It Yourself or its licensors and is protected by United States copyright, trademark, and other intellectual property laws. You may use CIY Content solely for your personal, non-commercial use of the Service. You may not reproduce, modify, distribute, publicly perform, or create derivative works without our prior written permission.

10. DMCA / Copyright Complaints

If you believe content on the Service infringes your copyright, send a notice with the information required by 17 U.S.C. §512(c)(3) to our designated agent at support@closeityourself.com. We may remove allegedly infringing content and terminate repeat infringers.

11. Data Retention for Premium Users

When you purchase the CIY Package, you acknowledge that uploaded documents and transaction-related data will be deleted seven (7) days after you mark a home as closed in the Service. Before that deletion, you may download all of your data at any time from your account page. See the Privacy Policy for details on retention across other data categories.

12. Disclaimers

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR QUIET ENJOYMENT.

• Not legal, financial, tax, or real estate advice. Nothing on the Service constitutes such advice. All content is educational.
• Not a licensed brokerage or law firm. CIY does not hold any real estate or legal license.
• No property-specific pricing, offer, or negotiation advice. Any figures shown (including comparables, calculator outputs, and savings estimates) are informational only.
• No guarantee of data accuracy. Property and market data is sourced from third parties and may be inaccurate, incomplete, or outdated. Always verify with official records, licensed professionals, and the seller or listing agent before acting.
• AI-generated content. AI responses may contain errors and must not be treated as professional advice.
• No guaranteed outcomes. We do not guarantee any savings amount, offer acceptance, closing result, or any other outcome.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL CLOSE IT YOURSELF OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR DIMINUTION OF VALUE, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (a) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (b) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you.

14. Indemnification

You agree to defend, indemnify, and hold harmless Close It Yourself and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Service, (b) your violation of these Terms, (c) your User Content, (d) any real estate transaction you enter into while using the Service, and (e) your violation of any third-party right or applicable law.

15. Governing Law and Venue

These Terms are governed by the laws of the State of Indiana, without regard to its conflict-of-laws rules. Subject to Section 16, any action or proceeding arising out of or relating to these Terms or the Service must be brought exclusively in the state or federal courts located in Indiana, and each party consents to personal jurisdiction and venue there.

16. Dispute Resolution; Binding Arbitration; Class-Action Waiver

Please read this section carefully. It affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that (a) either party may bring a claim in small-claims court if it qualifies, and (b) either party may seek injunctive or equitable relief in court for claims relating to intellectual property or unauthorized access to the Service. The arbitration will be conducted in Indiana or by remote means, at the consumer's election.

Class-action waiver. You and CIY each waive the right to participate in any class, collective, or representative action. Claims of more than one customer cannot be arbitrated or litigated jointly. If this waiver is found unenforceable, then the entirety of this Section 16 is null and void; the remainder of the Terms remains in effect.

30-day opt-out. You may opt out of arbitration by sending written notice to support@closeityourself.com within thirty (30) days of first accepting these Terms. If you opt out, Section 15 (courts in Indiana) applies to your Disputes.

17. Termination

You may stop using the Service at any time and may request deletion of your account as described in the Privacy Policy. We may suspend or terminate your access, with or without notice, for suspected breach of these Terms, suspected fraud or misuse, legal or regulatory obligation, or to protect the Service or other users. Sections that by their nature should survive termination (including Sections 6, 9, 12, 13, 14, 15, and 16) will survive.

18. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by email or in-product notice). The "Last updated" date at the top reflects the most recent revision. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

19. Miscellaneous

These Terms, together with the Privacy Policy and any order or checkout page you accept, constitute the entire agreement between you and CIY regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them to an affiliate or successor.

20. Contact

Questions about these Terms? Contact us at support@closeityourself.com.