Terms of Service

Welcome to FIXnotes. FIXnotes.com is a website (the "Website") owned and operated by FIXnotes, LLC (the "Company"), a limited liability company organized under the laws of the Commonwealth of Pennsylvania. The Website includes the Company's mortgage note marketplace, educational platform, consulting booking system, community features, and related digital content (collectively, the "Website").

Please read these Terms of Service (this "Agreement") carefully before using the Website. By accessing or using the Website, you agree to be bound by this Agreement, which may be updated from time to time. Your continued use after changes constitutes acceptance. If you do not agree, discontinue use immediately.

1. Definitions

• "User" — any individual who accesses the Website.
• "Account" — a registered user profile on the Website.
• "Features" — the Website's functionality including the marketplace ("Search"), educational content ("Learn"), research tools ("Research"), consulting booking system ("Book a Call"), dashboard, encyclopedia, blog, and all related content, tools, and services.
• "Device" — any machine capable of accessing the Website.
• "User-Generated Content" — any content submitted by Users through the Website.

2. Disclaimer & License Grant

You expressly agree that use of the Website is at your sole risk. The Website, services, and features are provided on an "as is" and "as available" basis without warranty of any kind, either express or implied. FIXnotes disclaims all warranties including: (1) that the Website will meet your requirements; (2) warranties concerning availability, accuracy, security, usefulness, or timeliness; (3) warranties of title, non-infringement, merchantability, or fitness for a particular purpose; (4) warranties for services received through or advertised on the Website; (5) that results obtained will be accurate or reliable; (6) that your use will be secure or uninterrupted; and (7) that errors will be corrected. FIXnotes specifically disclaims any advice relating to the quality or suitability of any investment.

The Website, all text, illustrations, files, images, software, graphics, photos, videos, information, content, and interactive features, and all intellectual property rights therein, are owned by the Company. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes in accordance with this Agreement. The Company may revoke this license at any time without notice.

3. Restrictions on Use

The Website is for educational and informational use unless otherwise stated. You shall not:

• Remove, alter, or obscure any proprietary notices on the Website
• Circumvent or interfere with security features of the Website
• Use automated tools (bots, scrapers, spiders) to copy the Website without written permission
• Collect personally identifiable information from the Website beyond what is described in our Privacy Policy
• Attempt to interfere with or overburden the Website
• Decompile, reverse engineer, or attempt to derive the source code of the Website
• Introduce malware, spam, or malicious code
• Use the Website for any competitive purpose without prior written consent
• Use the Website to violate any applicable law

4. User Registration & Accounts

Certain Features require registration. You must be at least 13 years old to register. You agree to provide true, accurate, and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your Account and for all activity under it. Notify us immediately at support@fixnotes.com of any unauthorized use.

The Company reserves the right to implement, modify, or remove Features at any time without notice.

5. Booking & Consulting Services

The Website provides a booking system ("Book a Call") that allows Users to schedule free strategy sessions and paid one-on-one consulting calls. When you use the booking system:

• Contact information you provide (name, email, phone) is transmitted to our customer relationship management system (GoHighLevel) for scheduling and follow-up purposes
• Paid consulting sessions are billed separately — you will receive an invoice after booking and payment is collected before the call
• The Company reserves the right to cancel or reschedule any booking at its discretion
• Consulting advice is provided for informational purposes only and does not constitute financial, legal, or investment advice
• No refunds are provided for completed consulting sessions

6. Marketplace & Asset Information

The Website displays mortgage note asset data for informational purposes. Asset information including location, UPB bands, status, and property characteristics is provided as available. The Company makes no warranty regarding the accuracy, completeness, or timeliness of asset data. Buyers are responsible for conducting their own due diligence before any transaction.

Submitting an offer through the Website does not create a binding agreement to purchase. All transactions are subject to separate purchase agreements.

7. Intellectual Property

All content, trademarks, service marks, trade names, and intellectual property on the Website are owned by the Company or its licensors. You may not use the Company's trademarks without prior written consent.

7.1 Third-Party Software

The Website may utilize third-party software subject to open source or third-party license terms. Your use of such software is governed by those licenses.

7.2 Payment Processing

Payment processing may be handled by third-party processors (including Stripe). By making payment, you agree to the payment processor's terms of service.

8. User-Generated Content

If you submit content to the Website, you grant the Company a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, display, distribute, and create derivative works from such content. You represent that you have the right to grant this license and that your content does not infringe any third-party rights.

The Company reserves the right to monitor, review, and remove any User-Generated Content at its sole discretion.

9. Earnings Disclaimer

The products and services on this Website are not a promise or guarantee of earnings. Your success depends on time devoted, finances, knowledge, and skills. FIXnotes cannot guarantee your success or income level. Any case studies or testimonials do not represent typical results. You should assume no guaranteed results from using the Website. FIXnotes is not responsible for your success or failure.

10. Indemnification

You agree to release, indemnify, defend, and hold harmless the Company and its employees, agents, affiliates, and subsidiaries from any claims, liabilities, losses, damages, and expenses (including attorneys' fees) arising from: your use of the Website; your violation of this Agreement; your User-Generated Content; or your acts or omissions.

11. Limitation of Liability

Under no circumstances shall the Company be liable for indirect, incidental, special, consequential, punitive, or exemplary damages. Your sole remedy is to stop using the Website. In no event shall cumulative liability exceed one hundred U.S. dollars ($100.00). Any claim must be filed within six (6) months after the cause of action arose.

12. Dispute Resolution & Arbitration

This Agreement shall be governed by the laws of the Commonwealth of Pennsylvania. Before initiating arbitration, you must send a written Notice of Dispute to support@fixnotes.com. If unresolved within 60 days, disputes shall be submitted to arbitration in Philadelphia, Pennsylvania before one arbitrator under the rules of the American Arbitration Association.

You and the Company agree that each may bring claims only on an individual basis and not as a plaintiff or class member in any class or representative action. The parties waive any right to a trial by jury.

13. Termination

The Company may terminate or suspend your Account and access to the Website at any time, for any reason, without notice. Upon termination, you must cease all use of the Website. Provisions that by their nature survive termination shall remain in effect.

14. Miscellaneous

• Export Control: You may not use or export the Website except as authorized by U.S. law.
• Modifications: The Company may modify this Agreement at any time. Continued use constitutes acceptance.
• Severability: If any part of this Agreement is unenforceable, the remainder continues in effect.
• Assignment: You may not assign this Agreement. The Company may assign it freely.
• Force Majeure: The Company is not liable for failures caused by circumstances beyond its reasonable control.
• Entire Agreement: This Agreement, together with the Privacy Policy and Copyright Policy, constitutes the full agreement between you and the Company.

15. Contact

Questions or concerns about these Terms should be directed to:
support@fixnotes.com
FIXnotes, LLC, ATTN: LEGAL, 2001 Market Street, Suite 2500, Philadelphia, PA 19103