Legal

Terms of Service

Version 2026-08-16 · Effective August 16, 2026

1. Who we are and what these terms cover

These Terms of Service (“Terms”) are a binding agreement between you and Tagr, Inc. (Tagr, Inc. DBA OwnerFinanceForms) (“OwnerFinanceForms,” “we,” “us,” or “our”). They govern your access to and use of our website, calculator, document generation, note-servicing, and related services (collectively, the “Service”). By creating an account, purchasing, or otherwise using the Service, you agree to these Terms and to our Privacy Policy.

2. Not legal, tax, or financial advice

OwnerFinanceForms is not a law firm, lender, title company, escrow agent, or licensed mortgage loan originator (RMLO), and we do not provide legal, tax, accounting, or investment advice. Our documents are templates and informational tools only. Using the Service does not create an attorney-client relationship. Every document we generate is a draft and is watermarked for attorney review until you purchase the applicable unlock; even then, it remains a template you are responsible for reviewing.

Owner financing of residential property may be subject to the Texas SAFE Act, the federal SAFE Act, and Dodd-Frank loan-originator rules, including limits for owner-occupied transactions. You are solely responsible for engaging licensed Texas counsel and any required RMLO, and for confirming your transaction complies with applicable law before you rely on any document.

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for use in connection with Texas real-property transactions. You are responsible for ensuring your use is lawful in your jurisdiction.

4. Your account and passwordless sign-in

We use passwordless, email “magic link” sign-in. Anyone with access to your email inbox can sign in as you, so keep your email account secure. You are responsible for all activity under your account. Notify us at service@ownerfinanceforms.com if you suspect unauthorized access. When you first sign in, and again whenever we update these Terms, you must accept the then-current Terms before you can proceed.

5. Purchases, pricing, and subscriptions

• Document kit ($49.95, one-time). Grants access to the note builder, deal wizard, and draft document generation.
• Per-property unlock ($199, one-time). Removes the draft watermark from the documents for a single property.
• Note servicing ($35/mo). A recurring subscription for payment collection and related servicing. You can cancel anytime; cancellation stops future billing and takes effect at the end of the current billing period.

Prices are in U.S. dollars and may change prospectively. Payments are processed by Stripe; by purchasing you also agree to Stripe's terms. Except where required by law, one-time purchases of digital documents are non-refundable once the documents have been generated or unlocked. If you believe you were charged in error, contact us at service@ownerfinanceforms.com.

6. License and acceptable use

Subject to these Terms and your payment, we grant you a limited, non-exclusive, non-transferable license to use the documents and tools for your own owner-financing transactions. You may not:

• resell, sublicense, or redistribute the templates or generated documents as a competing product or service;
• use the Service to violate any law or the rights of others;
• reverse engineer, scrape, or disrupt the Service or its security; or
• misrepresent the documents as legal advice or as reviewed by an attorney when they have not been.

7. Your content and accuracy

You are responsible for the information you enter (party names, property details, financial terms, and elections). Our calculations and generated documents rely on that input; garbage in, garbage out. You represent that you have the right to submit the information you provide and that it is accurate. You retain ownership of your input; you grant us a license to process and store it to provide the Service.

8. Intellectual property

The Service, including our templates, software, branding, and site content, is owned by Tagr, Inc. and protected by intellectual-property laws. Except for the license in Section 6, no rights are granted to you. The TREC forms referenced by the Service are published by the Texas Real Estate Commission; we link to the official source and do not claim ownership of them.

9. Third-party services

We rely on third parties such as Stripe (payments), Postmark (email), Cal.com (scheduling), and our hosting and storage providers. Your use of those features may be subject to their terms, and we are not responsible for third-party services.

10. Disclaimers

THE SERVICE AND ALL DOCUMENTS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY DOCUMENT WILL BE SUITABLE, ENFORCEABLE, OR COMPLIANT FOR YOUR SPECIFIC TRANSACTION.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Tagr, Inc. AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUES, DATA, OR GOODWILL. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR $100 USD.

12. Indemnification

You agree to indemnify and hold harmless Tagr, Inc. from claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Service, your documents or transactions, your content, or your breach of these Terms.

13. Termination

You may stop using the Service at any time. We may suspend or terminate your access if you violate these Terms or to protect the Service. Sections that by their nature should survive termination (including Sections 7–15, covering content, intellectual property, disclaimers, liability, indemnification, governing law, and arbitration) will survive.

14. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. The exclusive venue for any dispute that is not subject to arbitration or small-claims court will be the state or federal courts located in Texas, and you consent to their jurisdiction. Nothing in these Terms limits any non-waivable rights you have under applicable law.

15. Binding arbitration and class-action waiver

Please read this section carefully; it affects how disputes are resolved and limits your rights. Except for the carve-outs below, you and Tagr, Inc. agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration, rather than in court.

• Administration. Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. The arbitration will take place in Texas, or by video/telephone where available, and the arbitrator's decision may be entered as a judgment in any court of competent jurisdiction.
• Class-action waiver. You and Tagr, Inc. agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any class or representative proceeding.
• Jury-trial waiver. You and Tagr, Inc. waive any right to a jury trial for arbitrable disputes.
• Carve-outs. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief for infringement or misuse of intellectual property.
• 30-day opt-out. You may opt out of this arbitration agreement by emailing service@ownerfinanceforms.com with the subject “Arbitration Opt-Out” and your account email within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms.
• Severability. If the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court; the rest of this section remains in effect.

16. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the version and effective date above and, for signed-in users, prompt you to accept the new Terms before you continue. Your continued use after an update constitutes acceptance.

17. Contact

Questions about these Terms? Email service@ownerfinanceforms.com. Tagr, Inc. DBA OwnerFinanceForms, Texas, USA.

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