Terms of Service

Last updated: February 17, 2026

1. Agreement to Terms

By accessing or using the DistressSignal service ("Service") operated by CFA Intelligence Solutions ("Company," "we," "us"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

DistressSignal provides aggregated public records data including but not limited to county recorder filings, code enforcement records, building permits, and related property distress indicators. Data is compiled from publicly available government sources and delivered via downloadable spreadsheets and email.

3. Nature of Data

All data provided through the Service is sourced from public records maintained by government agencies. We do not guarantee the accuracy, completeness, or timeliness of any data. Public records may contain errors, omissions, or outdated information. You acknowledge that:

Data is provided "as is" without warranty of any kind.
Filing dates, names, and case numbers reflect what is recorded in public systems and may contain clerical errors from the source.
AI-generated analysis, scores, and recommendations are algorithmic estimates, not professional advice.
We are not responsible for actions you take based on the data provided.

4. Permitted Use

You may use the Service for lawful purposes including but not limited to real estate investment research, wholesale deal sourcing, and property analysis. You agree NOT to:

Resell, redistribute, or sublicense the data to third parties without written consent.
Use the data for harassment, stalking, discrimination, or any unlawful purpose.
Scrape, crawl, or programmatically access the Service beyond normal use.
Misrepresent the source of the data or claim it as your own proprietary dataset.
Use the data in violation of the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), or any applicable federal, state, or local law.

5. Subscriptions and Payments

Payments are processed through Stripe. By purchasing a subscription, you authorize recurring charges at the selected interval until you cancel. One-time purchases are non-recurring. All prices are in USD.

Cancellation: You may cancel your subscription at any time through Stripe or by contacting us. Cancellation takes effect at the end of the current billing period.
Refunds: One-time purchases are non-refundable once data has been delivered. Subscription refunds are handled on a case-by-case basis within 7 days of charge.
Price changes: We reserve the right to change pricing with 30 days notice. Existing subscribers retain their rate until cancellation.

6. Subscriber Limits

We may limit the number of subscribers per market to maintain data exclusivity. Subscriber caps are at our sole discretion and may change without notice. Enrollment may be closed for specific markets at any time.

7. Intellectual Property

While the underlying public records are in the public domain, our compilation, scoring methodology, AI analysis, presentation format, and proprietary algorithms are the intellectual property of CFA Intelligence Solutions. You may not reverse-engineer our scoring or analysis systems.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

9. Limitation of Liability

IN NO EVENT SHALL CFA INTELLIGENCE SOLUTIONS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST DEALS, OR BUSINESS INTERRUPTION. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

10. Not Professional Advice

The Service does not constitute legal, financial, real estate, or investment advice. AI-generated recommendations are algorithmic suggestions only. You should consult qualified professionals before making investment decisions. We are not licensed real estate brokers, attorneys, or financial advisors.

11. Compliance

You are solely responsible for ensuring your use of the data complies with all applicable laws, including but not limited to FDCPA, TCPA, CAN-SPAM, state telemarketing laws, and real estate licensing requirements in your jurisdiction.

12. Indemnification

You agree to indemnify and hold harmless CFA Intelligence Solutions from any claims, losses, damages, liabilities, and expenses arising from your use of the Service or violation of these Terms.

13. Termination

We reserve the right to suspend or terminate your access at any time, with or without cause. Upon termination, your right to use the Service ceases immediately. Provisions regarding intellectual property, liability, and indemnification survive termination.

14. Governing Law

These Terms are governed by the laws of the State of California. Any disputes shall be resolved in the courts of Sacramento County, California.

15. Changes to Terms

We may update these Terms at any time. Continued use after changes constitutes acceptance. Material changes will be communicated via email to active subscribers.

16. Contact

For questions about these Terms, contact us at: service@cfaisolutions.com