Terms and Conditions

Effective Date: April 15, 2026

horAIzen Terms of Use and Marketplace Participation Terms

These Terms of Use and Marketplace Participation Terms (“Terms”) govern your access to and use of the horAIzen website, platform, tools, analyses, communications, and related services (collectively, the “Platform”) provided by horAIzen, LLC (“horAIzen,” “we,” “our,” or “us”).

By accessing or using the Platform, creating an account, submitting information, requesting an analysis, communicating with us, clicking to accept, or otherwise participating in the horAIzen network, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

1. Eligibility

You must be legally capable of entering into a binding agreement to use the Platform. If you use the Platform on behalf of a company, brokerage, fund, investment entity, or other organization, you represent and warrant that you have authority to bind that entity to these Terms.

2. Nature of the Platform

horAIzen provides software, workflow tools, marketplace functionality, property-related information, matching, data augmentation, analysis tools, communications tools, and related services for real-estate-related opportunities.

The Platform may allow homeowners, property owners, sellers, real estate professionals, investors, buyers, contractors, lenders, and other participants to submit information, receive analyses, compare options, communicate, and identify or pursue possible transactions.

horAIzen is a software and marketplace platform. Unless expressly stated in a separate written agreement signed by horAIzen, horAIzen is not:

• the buyer or seller in any transaction;
• a real estate broker, real estate agent, or property manager;
• a law firm or legal advisor;
• a title company, escrow company, lender, appraiser, inspector, contractor, tax advisor, or financial advisor; or
• a fiduciary to you.

Any brokerage, agency, representation, advisory, or transaction services provided by a licensed third party are provided by that third party, not by horAIzen.

3. No Guarantee of Offers, Outcomes, or Transactions

Use of the Platform does not guarantee:

• that you will receive any offer, lead, buyer, investor interest, financing, listing, representation, referral, or transaction opportunity;
• that any offer will be competitive, accurate, complete, available, or capable of closing;
• that any participant is suitable for your needs;
• that any projected price, net proceeds, closing timeline, repair estimate, valuation, or strategy will prove correct; or
• that any transaction will close.

Any offers or expressions of interest come from third parties, not horAIzen, unless expressly stated otherwise in a separate written agreement.

4. Third-Party Data and AI-Generated Analyses

The Platform may display, compile, summarize, compare, score, estimate, or analyze information obtained from third-party sources, public records, user submissions, service providers, and large language models or other artificial intelligence systems.

Such information and outputs may be incomplete, inaccurate, outdated, inconsistent, biased, unavailable, or generated in error.

horAIzen does not warrant or guarantee the accuracy, completeness, reliability, timeliness, legality, availability, or fitness of any data, output, estimate, comparison, recommendation, score, valuation, match, or analysis made available through the Platform.

All such information and outputs are provided for informational purposes only.

The Platform is not a substitute for independent verification, professional advice, or appropriate due diligence. You are solely responsible for verifying all information and for making your own decisions regarding any property, transaction, investment, repair scope, valuation, offer, strategy, legal position, tax consequence, financing decision, or other action.

Without limiting the foregoing, any repair estimates, valuations, ARV estimates, comps, rent estimates, exit strategies, net proceeds estimates, timelines, investor matches, buyer counts, or projected outcomes are illustrative only and must be independently verified.

5. User Responsibility; Due Diligence

You agree that you will conduct your own due diligence and obtain any legal, tax, brokerage, valuation, inspection, title, financing, contracting, or other professional advice you deem appropriate before entering into any transaction or relying on any information from the Platform.

You assume all risk arising from:

• reliance on third-party or public data;
• reliance on AI-generated or AI-assisted outputs;
• reliance on information supplied by other users or participants;
• communications or dealings with third parties found through the Platform; and
• any decision to buy, sell, market, assign, finance, renovate, list, contract for, or otherwise pursue a property or transaction.

6. Accounts and Security

You may be required to create an account or provide contact information to use some features. You agree to provide accurate, current, and complete information and to keep it updated.

You are responsible for maintaining the confidentiality of your credentials and for all activity occurring under your account or through your devices. You must notify us promptly of any unauthorized use or suspected security breach.

7. User Submissions and Representations

If you submit property information, contact information, photos, documents, offers, messages, deal terms, repair information, ownership information, or other content (“Submissions”), you represent and warrant that:

• you have the right and authority to submit that information;
• the Submission does not knowingly contain false, misleading, or fraudulent information;
• the Submission does not violate any law, regulation, court order, contract, privacy right, intellectual property right, MLS rule, or other third-party right;
• if you are acting for another person or entity, you have authority to do so; and
• your use of the Platform and any marketing, sharing, or transaction activity related to the Submission complies with applicable law and your own professional and contractual obligations.

You remain responsible for your Submissions.

8. License to Use Submissions

You grant horAIzen a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to host, store, reproduce, modify, format, analyze, process, display, distribute, transmit, and use your Submissions as reasonably necessary to operate, improve, support, and provide the Platform and related services, including for marketplace distribution, matching, analysis, communication workflows, fraud prevention, customer support, product improvement, model evaluation, and legal compliance.

You represent that you have all rights necessary to grant this license.

9. Participant Types

The Platform may be used by different categories of participants, including but not limited to:

• homeowners, sellers, and property owners;
• licensed real estate brokers and agents;
• investors and buyers;
• contractors, lenders, service providers, and other participants.

Additional requirements, workflows, fee terms, or click-through acceptances may apply to certain participant types, transactions, or features. Those additional terms are incorporated into these Terms by reference.

10. Homeowners and Sellers

Unless horAIzen expressly states otherwise in a separate written agreement or clearly discloses a different fee arrangement before you proceed, a seller-side Platform Access Fee may apply to a Covered Transaction at closing. Unless otherwise disclosed, the standard seller-side PAF is one percent (1.0%) of the transaction amount.

Homeowners and sellers are under no obligation to accept any offer unless and until they enter into a separate binding transaction agreement with a third party.

horAIzen does not guarantee that the highest offer, best net outcome, fastest close, or any particular transaction structure will be available to you.

11. Agents, Brokers, and Other Licensed Professionals

If you are a real estate broker, agent, or other licensed professional:

• you are solely responsible for complying with all applicable licensing laws, advertising rules, agency disclosure requirements, MLS rules, Clear Cooperation obligations, fiduciary duties, and other professional obligations;
• horAIzen does not supervise your licensed activity;
• you are solely responsible for determining whether and how the Platform may be used in your jurisdiction and under your brokerage policies; and
• nothing on the Platform modifies your duties to clients or customers.

If you submit a property, you represent that you have the right to do so and that such submission, sharing, or distribution is authorized.

12. Investors, Buyers, and Opportunity Recipients

If you are an investor, buyer, or recipient of a horAIzen-sourced opportunity, you agree that:

• all property information and analyses must be independently verified;
• horAIzen is not your broker, advisor, or fiduciary;
• you will not misuse confidential or limited-access opportunity information;
• you will not evade agreed fees by routing a transaction through another person or entity; and
• any purchase, contract, assignment, option, or related transaction based on a horAIzen-sourced opportunity may give rise to payment obligations under these Terms or any applicable click-through or separate agreement.

13. Platform Access Fees and Other Fees

Certain users, participants, features, or transactions may require payment of a Platform Access Fee (“PAF”) or other fees.

Any applicable fee amount, trigger, timing, and payment mechanics may be disclosed:

• in a click-through acceptance flow;
• in a property-submission flow;
• in an offer-submission flow;
• in an order form, invoice, or feature-specific disclosure; or
• in a separate written agreement.

By proceeding after such disclosure, you agree to pay the applicable fee according to the disclosed terms.

Except where expressly stated, all fees are non-refundable.

You are responsible for any taxes, duties, or governmental charges associated with amounts you owe, excluding taxes on horAIzen’s net income.

Unless otherwise disclosed in the applicable workflow or a separate written agreement signed by horAIzen, the standard Platform Access Fee is one percent (1.0%) of the transaction amount payable by or on behalf of the seller in each Covered Transaction, and an additional one percent (1.0%) of the transaction amount is payable by or on behalf of the buyer in Covered Transactions involving a horAIzen-Sourced Buyer.

14. Fee Trigger; Covered Parties; Non-Circumvention

If a PAF or similar transaction-based fee applies to you, that obligation applies not only if you directly close the transaction, but also if the property is acquired, contracted for, assigned, optioned, or otherwise purchased or controlled through or by:

• you;
• your affiliate;
• any entity you own or control;
• any joint-venture or partner entity;
• any assignee;
• Any nominee, straw buyer, intermediary, or related person acting for your benefit; or
• any person or entity that purchases or controls the opportunity after receiving it from you or through you.

You agree not to circumvent horAIzen’s fee rights by forwarding, sharing, re-routing, renaming, re-papering, or restructuring a horAIzen-sourced opportunity or transaction.

If horAIzen reasonably determines that a transaction was consummated through circumvention or through a covered party, horAIzen may enforce its fee rights to the fullest extent permitted by law.

15. Payment Terms

Where disclosed in an applicable workflow or separate agreement, a user responsible for a Platform Access Fee is also responsible for causing the applicable fee to be included in escrow, settlement, or closing instructions and paid from closing, where permitted by applicable law and the practices of the closing/settlement agent. If the fee is not collected from closing, it remains due under the applicable agreement and these Terms.

Unless a different deadline is disclosed in the applicable workflow or agreement, amounts due to horAIzen must be paid within five (5) calendar days after the applicable triggering event.

Any overdue amount may accrue interest at the lesser of 1.5% per month or the maximum rate allowed by law. You also agree to reimburse reasonable collection costs, attorneys’ fees, and enforcement costs incurred by horAIzen in collecting amounts lawfully owed.

16. Verification and Screening

horAIzen may, but is not obligated to, screen, review, verify, rank, score, or remove participants, opportunities, offers, or content. Any reference to “verified,” “vetted,” “qualified,” or similar terminology reflects only horAIzen’s internal processes or criteria at the relevant time and does not constitute a guarantee of performance, truthfulness, financial capacity, legality, reliability, or closing certainty.

17. Communications Consent

By providing your phone number or email address, using the Platform, or submitting a request, you consent to receive communications from horAIzen relating to your account, requests, analyses, support, marketplace activity, transaction activity, status updates, and other operational or service-related matters.

Where permitted by law and consistent with your preferences and consents, horAIzen may also send marketing or promotional communications.

For text messages:

• message frequency may vary;
• message and data rates may apply;
• reply STOP to opt out;

Consent to receive communications is not a condition of purchasing property or entering into a transaction unless otherwise expressly stated where required by law.

18. Electronic Signatures and Records

You agree that horAIzen may provide disclosures, notices, records, consents, and agreements electronically. Your use of the Platform, clicking acceptance boxes, typing your name, or taking similar electronic actions may constitute your electronic signature and assent.

You agree to retain copies of records provided to you electronically.

19. Prohibited Conduct

You may not:

• use the Platform for unlawful, fraudulent, deceptive, discriminatory, harassing, or abusive purposes;
• upload false, infringing, or misleading content;
• impersonate another person or entity;
• interfere with the Platform’s operation or security;
• scrape, copy, harvest, or systematically extract data from the Platform;
• reverse engineer, decompile, or attempt to derive source code from any non-open-source portion of the Platform;
• use the Platform to build a competing service or benchmark it for competitive purposes;
• bypass access controls or limited-access workflows;
• misuse property or participant information; or
• use the Platform in a way that violates any applicable law, professional rule, or contractual restriction.

20. Intellectual Property

The Platform, including its software, interfaces, workflows, branding, text, graphics, compilations, analyses, and other content, is owned by or licensed to horAIzen and is protected by intellectual property and other laws.

Except for the limited right to use the Platform in accordance with these Terms, no rights are granted to you.

21. Feedback

If you provide ideas, feedback, suggestions, or improvement requests, you grant horAIzen a perpetual, irrevocable, worldwide, royalty-free right to use them for any lawful purpose without compensation or attribution.

22. Confidentiality of Limited-Access Information

Certain opportunities, analyses, participant information, workflows, or materials may be confidential or limited-access. You agree not to disclose or use such information except as necessary for a legitimate purpose related to the Platform and consistent with these Terms.

23. Privacy

Your use of the Platform is also subject to our Privacy Policy. To the extent there is a conflict between these Terms and any feature-specific privacy disclosure, the more specific disclosure governs as to that feature.

24. Third-Party Services and Links

The Platform may contain links to third-party websites, tools, data providers, or services. horAIzen does not control and is not responsible for third-party content, services, policies, or practices.

25. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE PLATFORM AND ALL CONTENT, DATA, ANALYSES, OUTPUTS, COMMUNICATIONS, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

HORAIZEN DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

HORAIZEN DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED.

26. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HORAIZEN AND ITS AFFILIATES, OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, EXPECTED SAVINGS, OR OPPORTUNITY, ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF HORAIZEN FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: THE AMOUNT YOU PAID TO HORAIZEN IN THE ONE (1) MONTH BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.

27. Indemnification

You agree to defend, indemnify, and hold harmless horAIzen and its affiliates, officers, directors, members, employees, agents, contractors, licensors, and service providers from and against any claims, demands, actions, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:

• your use of the Platform;
• your Submissions;
• your transactions or dealings with third parties;
• your breach of these Terms; or
• your violation of any law or third-party right.

28. Suspension and Termination

horAIzen may suspend, restrict, or terminate your access to the Platform at any time, with or without notice, if we believe you violated these Terms, created risk, engaged in misconduct, or for other lawful business reasons.

Termination does not relieve you of obligations accrued before termination, including payment obligations, indemnity obligations, confidentiality obligations, or any provisions that by their nature should survive.

29. Dispute Resolution; Governing Law

These Terms are governed by the laws of the State of Washington, without regard to conflicts-of-law principles.

Before filing a formal claim, the parties agree to attempt in good faith to resolve the dispute informally.

If informal resolution fails, the parties agree to mediate in Seattle, Washington.

If the dispute is not resolved through mediation, it shall be finally resolved by binding arbitration administered by the American Arbitration Association in Seattle, Washington, on an individual basis only.

CLASS ACTION WAIVER: TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND HORAIZEN AGREE THAT ANY DISPUTE WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.

Nothing in this section prevents either party from seeking temporary, preliminary, or equitable relief in court to protect confidential information, intellectual property, or fee-enforcement rights.

30. Modifications

horAIzen may modify these Terms from time to time. Updated Terms will be posted with a revised effective date. Your continued use of the Platform after the updated Terms become effective constitutes acceptance of the updated Terms.

If we make a material change, we may provide additional notice where appropriate, but you remain responsible for reviewing the Terms periodically.

31. Miscellaneous

If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.

horAIzen’s failure to enforce any provision is not a waiver.

You may not assign these Terms without horAIzen’s prior written consent. horAIzen may assign these Terms in connection with a merger, acquisition, financing, reorganization, or sale of assets.

These Terms, together with any incorporated policies, click-through disclosures, order forms, and separate written agreements, constitute the entire agreement between you and horAIzen regarding the Platform and supersede prior or contemporaneous understandings on that subject.

Contact Information

If you have any questions about these Terms, please contact us at:

horAIzen, LLC
CO: BAJ SERVICES, L.L.C.
2200 RIMLAND DR STE 230
BELLINGHAM, WA, 98226-6695
UNITED STATES