Terms of Service

1. ACCEPTANCE OF THE TERMS

1.1. Use of the Platform is conditioned upon the express and unrestricted acceptance of these Terms, which constitute a legally binding agreement between the User and Track.BI.AI.

1.2. To register for and use the Platform, the User represents and warrants that:

• they have full legal capacity to contract under applicable law, or, if a legal entity, that they have valid authority to represent it;
• they will provide true, complete, current, and accurate information at the time of registration, and undertake to keep such information updated;
• they are solely responsible for safeguarding and maintaining the confidentiality of their access credentials (login and password), and are fully liable for any and all activity carried out through their account;
• they will use the Platform exclusively for lawful purposes and in accordance with these Terms, with the laws of the Federative Republic of Brazil, and with the laws of their country of residence, where applicable.

1.3. Track.BI.AI reserves the right to refuse, suspend, or cancel the registration of any User at any time and in its sole discretion, upon reasonable justification, especially in cases of suspected fraud, misuse, or violation of these Terms.

1.4. These Terms may be updated periodically. Material changes will be communicated to the User by email and/or notice on the Platform, with reasonable advance notice. Continued use of the Platform after the changes take effect constitutes tacit acceptance of the new conditions.

2. SERVICE DESCRIPTION AND LIMITATION OF USE

2.1. Track.BI.AI is a data intelligence platform that provides extraction, cross-referencing, organization, and visualization of public and regional information relating to real properties located in the State of Florida, United States(currently covering all 67 counties of the state, with planned expansion to other U.S. states), including, without limitation: tax deed auction records, property appraisal data ("property appraiser"), zoning attributes, emergency/flood management data ("FEMA"), tax collection records ("tax collector"), parcel boundaries ("parcels"), and other cartographic and fiscal information ("Data").

2.2. The Platform is intended exclusively for informational and instrumental purposes. The Data, reports, indicators, scores, analyses, and any other elements made available by Track.BI.AI constitute research support tools and must not, under any circumstances, be interpreted as:

• investment, financial, or economic advice or recommendation;
• legal advice, opinion, or counseling of any kind;
• real estate advice, brokerage, professional property appraisal ("appraisal"), or complete and definitive due diligence regarding any property or auction.

2.3. Track.BI.AI is not a real estate broker, is not a financial institution, is not a law firm, and does not provide investment advisory services. The User acknowledges that any decision to participate in auctions, acquire tax deeds, invest in real property, or enter into any transaction based, in whole or in part, on information made available through the Platform is solely and entirely the User's responsibility.

2.4. It is the User's responsibility to conduct their own due diligence, including independent verification of the Data with official public sources (Property Appraiser's Office, Tax Collector, Clerk of Court, and other competent authorities of the respective Florida jurisdictions), as well as to seek specialized professional advice (an attorney, accountant, or real estate consultant licensed in the United States) before making any investment decision.

2.5. Track.BI.AI does not warrant that the Data presented are free from errors, are complete, or reflect, in real time, the current factual and legal status of any property or auction proceeding, given that such information originates from public and/or third-party databases subject to updates, corrections, and changes outside Track.BI.AI's control.

3. INTELLECTUAL PROPERTY

3.1. All intellectual property rights relating to the Platform are exclusively owned by Track.BI.AI or its licensors, including, without limitation:

• the source code, software architecture, algorithms, scripts, and processing routines;
• the graphical interface, design, layouts, navigation flows, and user experience (UI/UX);
• the "Track.BI.AI" trademark, its logo, domain name (trackbiai.com), and other distinctive signs;
• the structure, organization, modeling, and curation of the database, including proprietary methods for extraction, processing, cross-referencing, and enrichment of the Data (compilation of shapefiles, NAL files, and other sources), even though the underlying raw public data are not, in themselves, subject to copyright protection.

3.2. Nothing in these Terms shall be construed as an assignment, implied license, or transfer of any intellectual property rights of Track.BI.AI to the User, beyond the personal, limited, non-exclusive, non-transferable, and revocable right to use the Platform, strictly in accordance with the subscribed plan.

3.3. Reproduction, copying, modification, distribution, public display, reverse engineering, or creation of derivative works from the Platform, its source code, or its database structure is prohibited without prior express written authorization from Track.BI.AI.

3.4. Any suggestions, comments, or feedback submitted by the User may be freely used by Track.BI.AI for the purpose of improving the Platform, without generating any burden, consideration, or intellectual property right in favor of the User.

4. ACCEPTABLE USE AND RESTRICTIONS

4.1. By using the Platform, the User undertakes not to engage, directly or indirectly, by themselves or through third parties, in any of the following conduct:

• web scraping, crawling, data harvesting, or automated extraction of information from the Platform by means of robots, scripts, bots, plugins, or any other automated tools not expressly authorized by Track.BI.AI (including use of the official API, when available, within contracted limits);
• reverse engineering, decompilation, disassembly, or any attempt to extract the source code, algorithms, or business logic underlying the Platform;
• copying, reselling, sublicensing, redistributing, or making available to third parties, whether free of charge or for consideration, Data extracted from the Platform, whether in original or compiled/derivative form, without prior written authorization from Track.BI.AI;
• sharing access credentials with unauthorized third parties, or simultaneous use of the same account by multiple users beyond the limit provided in the subscribed plan;
• using the Platform to feed, train, or develop artificial intelligence systems, machine learning models, or competing products;
• engaging in any act that overloads, compromises the stability, security, or performance of Track.BI.AI's infrastructure, including unauthorized access attempts to systems, servers, or databases;
• using the Platform for unlawful, fraudulent, or discriminatory purposes, or in a manner that violates third-party rights.

4.2. Violation of any of the restrictions set forth in this clause authorizes Track.BI.AI to immediately suspend or cancel, without prior notice, the User's access to the Platform, without prejudice to the adoption of available judicial and extrajudicial measures, including seeking compensation for losses and damages.

4.3. Export controls and sanctions. Although Track.BI.AI is established in Brazil, the Platform processes data of U.S. origin and relies on infrastructure and payment providers subject to U.S. export control and economic sanctions laws, including those administered by the Office of Foreign Assets Control (OFAC). Accordingly, the User represents and warrants that (i) they are not located in, resident in, or a national of any country or territory subject to comprehensive U.S. embargo (currently Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions); (ii) they are not listed on any restricted or sanctioned persons list maintained by the U.S. government; and (iii) they will not use the Platform, or allow it to be used, from such jurisdictions or for the benefit of such persons, including through a VPN, proxy, or any other means intended to conceal their actual location. Track.BI.AI may restrict access to the Platform from certain locations and terminate, without prior notice, accounts that violate this clause.

5. PLANS, PAYMENTS, AND CANCELLATION

5.1. The Platform is made available through subscription plans, the specific conditions of which regarding price, billing frequency, volume of tracked properties, and included functionalities are described on the Track.BI.AI plans page at the time of subscription.

5.2. Payments are processed through Stripe, a payment processor that collects payments on behalf of Track.BI.AI and is responsible for the secure processing of transactions and for storing card data in a certified environment (PCI-DSS). Receipts/invoices are issued by Track.BI.AI through Stripe. Any taxes applicable to the transaction, where relevant, will be disclosed at the time of subscription. The User is responsible for keeping their billing information current and valid. Track.BI.AI does not directly store full credit card data.

5.3. Unless otherwise indicated in the subscribed plan, subscriptions renew automatically at the end of each billing cycle (monthly or annual), at the same rate then in effect at the time of renewal, subject to any adjustments previously communicated to the User.

5.4. The User may cancel their subscription at any time, directly through the Platform or by request to support, with cancellation taking effect at the end of the then-current billing cycle, without proportional refund of amounts already paid, except where required by applicable law.

5.5. Track.BI.AI may suspend or cancel the User's access in case of non-payment, upon prior notice, restoring access after payment is regularized, where applicable.

5.6. Track.BI.AI reserves the right to change prices, functionalities, and plan conditions at any time, upon reasonable prior notice; such changes shall not apply to periods already paid and in progress.

5.7. The User may close their account at any time. Account closure does not relieve the User of any outstanding financial obligations up to the cancellation date.

5.8. Users who access the Platform without a paid subscription are entitled to a free monthly limit of tracked properties, as communicated on the plans page, subject to change upon prior notice.

6. LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

6.1. The Platform is provided "as is" and "as available", without warranties of any kind, express or implied, including, without limitation, warranties of fitness for a particular purpose, uninterrupted availability, or freedom from errors or security vulnerabilities.

6.2. Track.BI.AI does not warrant that:

• access to the Platform will be continuous, uninterrupted, free from failures, bugs, or technical unavailability, even though the Company will use its best efforts to maintain system stability;
• public and third-party Data processed, organized, and made available through the Platform are always up to date, correct, or complete, given that their origin and update frequency depend on governmental bodies and external sources outside Track.BI.AI's control;
• results obtained by the User from use of the Platform will meet their expectations or investment objectives.

6.3. To the maximum extent permitted by applicable law, Track.BI.AI, its agents, employees, and partners shall not be liable for any direct, indirect, incidental, consequential damages, lost profits, loss of data, or loss of business opportunities arising from:

• investment decisions, property acquisitions, or auction participation made by the User based on Data or analyses provided by the Platform;
• inaccuracies, outdated information, or errors in public or third-party Data processed by the Platform;
• temporary or permanent unavailability of the Platform resulting from technical failures, maintenance, cyberattacks, fortuitous events, or force majeure;
• misuse of the Platform by the User or by third parties who access their account.

6.4. In any event, and even if some liability of Track.BI.AI is recognized, the Company's total aggregate liability to the User arising from these Terms or from use of the Platform shall be limited to the amount actually paid by the User to Track.BI.AI in the twelve (12) months preceding the event giving rise to the damage.

6.5. The limitations set forth in this clause do not apply to damages resulting from proven willful misconduct or gross negligence of Track.BI.AI, nor do they exclude rights that cannot be validly limited or excluded under applicable consumer protection law.

7. GOVERNING LAW AND VENUE

7.1. These Terms are governed by and shall be construed in accordance with the laws of the Federative Republic of Brazil, without prejudice to the observance, where applicable, of mandatory consumer protection rules of public order of the User's country of residence, when such rules apply on a mandatory basis.

7.2. The courts of the judicial district (comarca) of Goiânia - GO, Brazil, are hereby elected as venue to resolve any disputes arising from these Terms or from use of the Platform, without prejudice, in consumer relations, to the User's right to bring suit in the courts of their own domicile, and except where a different venue is mandatory under consumer protection law or another applicable rule of public order.

8. GENERAL PROVISIONS

8.1. If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

8.2. Track.BI.AI's tolerance of any failure to comply with any provision of these Terms shall not constitute a waiver of the right to enforce it subsequently.

8.3. These Terms, together with Track.BI.AI's Privacy Policy, constitute the entire agreement between the parties with respect to the subject matter hereof, superseding any prior understandings, oral or written.

8.4. Track.BI.AI may assign or transfer these Terms, in whole or in part, as well as the rights and obligations arising from them, to a legal entity that may be incorporated to operate the Platform, upon simple notice to the User by email or on the Platform, with all other conditions remaining unchanged. The User may not assign their contractual position without Track.BI.AI's prior written consent.

8.5. Questions, requests, or notices relating to these Terms may be directed through the following channels:

• Email: [email protected]
• Phone (Brazil): +55 62 99242-2700
• Phone (US): +1 689 210 5060

9. TEXT MESSAGING (SMS) PROGRAM

9.1. By checking the corresponding consent option on the form available at trackbiai.com, the User agrees to receive text messages (SMS) from Track.BI.AI containing product news, updates, and offers (the "SMS Program").

9.2. Message frequency varies. Message and data rates may apply per the User's carrier plan.

9.3. The User may opt out of receiving messages at any time by replying STOP to any SMS received, or by contacting [email protected]. For help, reply HELP to any SMS received or email the same address.

9.4. Consent to the SMS Program is independent of consent to the WhatsApp channel and any other communication channel, and is not, under any circumstance, a condition for using the Platform or subscribing to any plan.

9.5. The phone number and consent record provided for the SMS Program are handled in accordance with Track.BI.AI's Privacy Policy and are not shared with third parties or affiliates for marketing purposes.

9.6. Track.BI.AI and the telecommunications carriers involved are not responsible for delays, failures, or non-delivery of text messages caused by factors beyond their control.