Terms of Service

Welcome to PropertyIQ (https://propertyiq.app), a real estate analytics platform owned and operated by Federal Contracting Services LLC, a Maryland limited liability company (“Company,” “we,” “us,” or “our”).

By accessing or using PropertyIQ, including any associated websites, mobile applications, APIs, AI-powered tools, and related services (collectively, the “Service”), you (“User,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”). If you do not agree to all of these Terms, you must not access or use the Service.

These Terms constitute a legally binding agreement between you and Federal Contracting Services LLC. Please read them carefully. These Terms contain a binding arbitration agreement and a class action waiver in Sections 21 and 22 that affect your legal rights. By using the Service, you agree to resolve disputes through individual arbitration and waive any right to participate in class actions.

Throughout these Terms, the following definitions apply:

• “AI Features” means any artificial intelligence, machine learning, or algorithmically generated features of the Service, including but not limited to Quinn (our AI chatbot), HomeReady scores, InvestorEdge scores, market predictions, and any other automated analysis or content generation.
• “AI-Generated Content” means any text, data, analysis, scores, reports, recommendations, or other output produced in whole or in part by the AI Features.
• “User Content” means any data, information, text, or materials that you submit, upload, or transmit to the Service.
• “Subscription” means a paid plan that grants you access to certain premium features of the Service for a defined period.
• “Technology Partners” means third-party companies whose artificial intelligence models, APIs, data services, or infrastructure are integrated into the Service.

To access certain features of the Service, you must create an account. You must be at least eighteen (18) years of age to create an account or use the Service. By registering, you represent and warrant that you meet this age requirement and that all information you provide is accurate, current, and complete.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised or are being used in violation of these Terms.

PropertyIQ is a real estate analytics platform that provides AI-powered market intelligence, proprietary scoring algorithms, data visualizations, and analytical tools designed to assist homebuyers, real estate investors, and industry professionals in making informed real estate decisions. The Service includes, but is not limited to:

• HomeReady™ scoring for homebuyers
• InvestorEdge™ scoring for real estate investors
• Quinn, an AI-powered real estate chatbot assistant
• Market analytics dashboards and reports
• Data integrations from public and proprietary data sources

The Service is provided on an “as is” and “as available” basis. We reserve the right to modify, suspend, or discontinue any part of the Service at any time with or without notice.

The AI Features of PropertyIQ, including Quinn and all scoring algorithms, utilize artificial intelligence and machine learning technologies that are inherently probabilistic in nature. This means that outputs may contain errors, inaccuracies, outdated information, or biases that we may not be able to detect or correct in real time.

AI-Generated Content is provided for informational and educational purposes only and should never be relied upon as the sole basis for any real estate purchase, investment, financial, or legal decision. You acknowledge and agree that:

• AI-Generated Content may contain factual inaccuracies, miscalculations, or incomplete analysis.
• Market data and predictions are inherently uncertain and may not reflect current or future market conditions.
• Scores, ratings, and recommendations are algorithmically derived and should be considered as one of many data points in your decision-making process.
• You should independently verify all AI-Generated Content before making any decisions based upon it.
• You should consult qualified professionals (real estate agents, financial advisors, attorneys, appraisers) before making significant real estate or investment decisions.

This disclaimer is also displayed prominently within the PropertyIQ product interface.

Our AI Features, including Quinn, may occasionally self-identify or position themselves in ways that could be interpreted as providing professional advice. You acknowledge and agree to the following critical distinctions:

• PropertyIQ is not a real estate agent or broker and does not facilitate, negotiate, or execute real estate transactions.
• PropertyIQ is not a licensed appraiser and its property valuations and scores are algorithmic estimates, not formal appraisals.
• PropertyIQ is not a financial or investment advisor and does not provide personalized financial, tax, or investment advice.
• PropertyIQ is not a law firm or legal advisor and does not provide legal advice or legal opinions.
• Any statements made by the AI that appear to constitute professional advice should be understood as informational output of the algorithm and not as a substitute for licensed professional counsel.

If our AI Features make statements that suggest or imply a professional advisory role, those statements reflect the AI's language generation patterns and do not alter the nature of the Service or create any professional-client relationship between you and Federal Contracting Services LLC.

By using PropertyIQ, you agree to use the Service responsibly and lawfully. The following conduct is strictly prohibited:

• Using the AI Features to generate or disseminate false, misleading, deceptive, defamatory, or fraudulent content.
• Using the Service to discriminate against individuals or groups on the basis of race, color, religion, sex, national origin, familial status, disability, or any other characteristic protected under applicable fair housing laws.
• Attempting to manipulate, reverse-engineer, or extract the underlying models, algorithms, or proprietary data of the Service.
• Using the Service to engage in or facilitate any illegal activity, including but not limited to fraud, money laundering, or violations of securities laws.
• Using automated tools, bots, scrapers, or similar mechanisms to access the Service beyond the intended user interface and APIs.
• Impersonating any person, entity, or professional designation while using the Service.
• Harassing, threatening, or abusing other users or Company personnel.
• Circumventing or attempting to circumvent access controls, usage limits, or security features of the Service.
• Using AI-Generated Content to create spam, misleading real estate listings, or deceptive marketing materials.
• Reselling, sublicensing, or redistributing access to the Service without prior written authorization.

You may use AI-Generated Content from PropertyIQ for your personal or internal business purposes, subject to the following restrictions:

• No Misrepresentation. You shall not publish, distribute, or share AI-Generated Content in a manner that misrepresents it as human-authored professional advice, a formal appraisal, or an official market report.
• No Violation of Use Policy. You shall not use AI-Generated Content in any way that violates the Acceptable Use Policy set forth in Section 7.
• Attribution Requirement. If you publish or share AI-Generated Content externally, you must clearly indicate that such content was generated by an AI-powered tool and should not be treated as professional advice.
• Full Responsibility. You assume full and sole responsibility for any AI-Generated Content that you publish, share, distribute, or otherwise make available to third parties. Federal Contracting Services LLC shall have no liability for your use or dissemination of AI-Generated Content.
• Fair Housing Compliance. You shall not use AI-Generated Content in any manner that violates the Fair Housing Act or any applicable state or local fair housing laws.

9.1 Company Intellectual Property

The Service, including all software, algorithms, scoring methodologies (including HomeReady™ and InvestorEdge™), user interface designs, trademarks, trade names, logos, documentation, and all other proprietary materials, are and shall remain the exclusive property of Federal Contracting Services LLC and its licensors. Nothing in these Terms grants you any right, title, or interest in our intellectual property except as expressly stated herein.

9.2 AI-Generated Content Ownership

Ownership of AI-Generated Content is subject to the following terms:

• To the extent that AI-Generated Content qualifies for copyright protection under applicable law, Federal Contracting Services LLC retains all rights in and to the AI models, algorithms, and underlying systems that produce such content.
• You are granted a limited, non-exclusive, non-transferable, revocable license to use AI-Generated Content produced during your use of the Service for your personal or internal business purposes, subject to these Terms.
• You acknowledge that AI-Generated Content may not be eligible for copyright protection under current United States Copyright Office guidance, and you assume the risk associated with any claim of copyright ownership over such content.
• We make no representation or warranty that AI-Generated Content is unique to you. Similar or identical content may be generated for other users.

9.3 User Content

You retain ownership of User Content that you submit to the Service. By submitting User Content, you grant Federal Contracting Services LLC a worldwide, non-exclusive, royalty-free, sublicensable license to use, process, store, and analyze such content for the purpose of providing, improving, and developing the Service. This license survives termination of your account to the extent necessary to fulfill the purposes described herein.

We take the privacy and security of your data seriously. Our collection, use, storage, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the practices described in our Privacy Policy.

10.1 Data Collection

We collect information you provide directly (such as account registration information, search queries, and preferences), information generated through your use of the Service (such as usage analytics and interaction logs), and information from third-party data sources (such as public real estate records, census data, and economic indicators).

10.2 Data Use

Your data is used to provide and personalize the Service, to improve and train our AI models and algorithms, to communicate with you regarding your account and the Service, and to comply with legal obligations.

10.3 Data Security

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect your data against unauthorized access, alteration, disclosure, or destruction. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

10.4 Data Sharing

We may share your data with Technology Partners as described in Section 11, with service providers who assist in operating the Service, and as required by law or legal process. We do not sell your personal information to third parties.

10.5 Analytics & Tracking Technologies

The Service uses Google Analytics and may use other third-party analytics services to collect and process information about how you interact with our website and application properties. Google Analytics collects visitation information such as pages viewed, session duration, referring URLs, device and browser type, IP address (which may be anonymized), geographic location, and user interaction events.

By using the Service, you acknowledge and agree that:

• We collect and process data related to your use of the Service, including through the use of cookies, pixels, and similar tracking technologies.
• Data you provide to the Service — including account information, search queries, preferences, and usage behavior — may be associated with the visitation and interaction data that Google Analytics collects from our website and/or application properties.
• This associated data is used to analyze usage patterns, improve the Service, personalize your experience, measure the effectiveness of features, and support our business operations.
• Google processes this data in accordance with its own privacy policy and terms of service. For more information on how Google collects and processes data, please visit Google's Partner Sites Privacy Information.
• You may opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-on or by adjusting your cookie preferences through our cookie consent mechanisms where available.

10.6 Cookie Policy

The Service uses cookies and similar technologies for essential site functionality, analytics, and personalization. Cookies may be set by us (first-party cookies) or by third-party services we use, including Google Analytics. By continuing to use the Service, you consent to the use of cookies as described herein. You may manage or disable cookies through your browser settings; however, doing so may impair certain features of the Service.

The AI Features of PropertyIQ may rely on large language models, machine learning infrastructure, data processing services, and APIs provided by third-party companies (“Technology Partners”). By using the Service, you acknowledge and agree that:

• Certain data you provide to the Service, including queries, prompts, and contextual data, may be transmitted to Technology Partners for processing in order to deliver AI-Generated Content.
• Technology Partners maintain their own terms of service, privacy policies, and data handling practices, which may differ from ours.
• We select Technology Partners with commercially reasonable care, but we are not responsible for the data handling practices of our Technology Partners beyond our contractual agreements with them.
• We may change Technology Partners from time to time without prior notice to you, provided that any such change does not materially diminish the protections afforded to your data under our Privacy Policy.

A current list of our principal Technology Partners may be made available in our Privacy Policy or upon request.

PropertyIQ may offer white label licensing arrangements that permit licensed real estate professionals, agents, brokers, and brokerages (“White Label Partners”) to integrate, rebrand, or embed certain PropertyIQ features and data within their own websites, applications, client portals, or marketing materials (the “White Label Service”). White Label use is subject to the following terms in addition to all other provisions of these Terms.

12.1 Eligibility & Authorization

White Label access is available exclusively to individuals or entities that hold a valid, active real estate license in the jurisdiction(s) in which they operate, or to brokerages and firms employing or supervising such licensees. White Label use requires a separate written White Label Agreement executed between the White Label Partner and Federal Contracting Services LLC. Access to the White Label Service without a valid White Label Agreement is prohibited.

12.2 Permitted Use

Subject to an active White Label Agreement, White Label Partners may:

• Embed designated PropertyIQ data, scores, analytics, and AI-Generated Content within their own branded client-facing platforms and materials.
• Display PropertyIQ-powered insights under the White Label Partner's trade name, branding, and visual identity as authorized in the White Label Agreement.
• Use PropertyIQ data and AI-Generated Content in listing presentations, buyer consultations, market reports, and comparable marketing activities in the ordinary course of their real estate business.
• Provide their clients with access to PropertyIQ features through the White Label Partner's own platform or portal, subject to the usage limits specified in the applicable White Label Agreement.

12.3 White Label Partner Obligations

White Label Partners agree to the following obligations:

• AI & Data Disclaimers. White Label Partners must display the AI Disclaimer set forth in Section 5 (or a substantially equivalent disclaimer approved in writing by Federal Contracting Services LLC) in any client-facing interface, report, or material that includes AI-Generated Content.
• No Professional Advice Representation. White Label Partners shall not represent or imply to their clients or the public that PropertyIQ data, scores, or AI-Generated Content constitutes a formal appraisal, investment recommendation, legal opinion, or any form of licensed professional advice.
• Fair Housing Compliance. White Label Partners shall not use or deploy PropertyIQ data or AI-Generated Content in any manner that violates the Fair Housing Act, the Equal Credit Opportunity Act, or any applicable state or local fair housing laws.
• Accuracy Representations. White Label Partners shall not represent to their clients that PropertyIQ data or AI-Generated Content is guaranteed to be accurate, complete, or current beyond the representations made by Federal Contracting Services LLC in these Terms.
• Licensing Compliance. White Label Partners shall maintain all required real estate licenses, certifications, and regulatory registrations throughout the term of the White Label Agreement.
• Client Data. White Label Partners are solely responsible for obtaining all necessary consents from their clients before submitting client data to PropertyIQ for processing.

12.4 Restrictions on White Label Use

White Label Partners shall not:

• Sublicense, resell, or redistribute the White Label Service to other agents, brokers, brokerages, or third parties without prior written consent from Federal Contracting Services LLC.
• Modify, alter, or reverse-engineer the underlying PropertyIQ algorithms, scoring models, or data infrastructure accessed through the White Label Service.
• Remove, obscure, or modify any required disclaimers, attributions, or notices.
• Use the White Label Service in a manner that implies endorsement, sponsorship, or affiliation by Federal Contracting Services LLC beyond what is authorized in the White Label Agreement.
• Represent AI-Generated Content as the White Label Partner's own original analysis or proprietary data without appropriate attribution or disclaimer.
• Exceed the usage limits, API call limits, or seat limits specified in the applicable White Label Agreement.

12.5 Intellectual Property in White Label Context

All intellectual property rights in the PropertyIQ platform, AI models, scoring algorithms, data pipelines, and underlying technology remain the sole property of Federal Contracting Services LLC. The White Label Agreement grants a limited, non-exclusive, non-transferable, revocable license to use designated elements of the Service under the White Label Partner's branding. No ownership interest in any PropertyIQ intellectual property is transferred to the White Label Partner.

12.6 Indemnification by White Label Partners

In addition to the general indemnification obligations set forth in Section 19, White Label Partners agree to indemnify, defend, and hold harmless Federal Contracting Services LLC from any claims, damages, losses, or liabilities arising from the White Label Partner's deployment, presentation, or use of PropertyIQ data and AI-Generated Content, including but not limited to claims by the White Label Partner's clients, regulatory actions, fair housing complaints, and intellectual property disputes.

12.7 Termination of White Label Access

Federal Contracting Services LLC may suspend or terminate a White Label Partner's access to the White Label Service immediately upon breach of these Terms, the applicable White Label Agreement, or any applicable law or regulation. Upon termination, the White Label Partner must immediately cease all use of PropertyIQ data, branding elements, and AI-Generated Content in their platforms and materials, and must remove or disable all embedded PropertyIQ features within thirty (30) days of termination.

13.1 Subscription Plans

PropertyIQ offers both free and paid subscription tiers. Paid subscriptions provide access to premium features, enhanced data, and expanded usage limits as described on our pricing page. Subscription features and pricing are subject to change; we will provide reasonable advance notice of material changes.

13.2 Billing

Paid subscriptions are billed in advance on a recurring basis (monthly or annually, depending on your selected plan). By subscribing, you authorize Federal Contracting Services LLC to charge your designated payment method at the beginning of each billing cycle.

13.3 Taxes

All fees are exclusive of applicable taxes, levies, or duties. You are responsible for paying all such taxes associated with your subscription, excluding taxes based on our net income.

13.4 Price Changes

We reserve the right to adjust subscription pricing. Any price changes will take effect at the start of your next billing cycle following at least thirty (30) days' written notice. Your continued use of the Service after a price change constitutes your acceptance of the new pricing.

14.1 Refund Eligibility

Because PropertyIQ is a digital services platform and access to premium features is granted immediately upon payment, refunds are generally not available. However, we may consider refund requests on a case-by-case basis under the following circumstances:

• Technical Failure: The Service was materially unavailable or non-functional for a sustained period during your billing cycle due to an issue on our end.
• Billing Error: You were charged in error, charged an incorrect amount, or charged after valid cancellation.
• First Billing Cycle: You are within seven (7) calendar days of your initial paid subscription purchase and have not made substantial use of premium features.

14.2 Refund Process

To request a refund, contact our customer service team at info@propertyiq.app with the subject line “Refund Request” and include your account email, subscription details, and the reason for your request. We will acknowledge your request within three (3) business days and provide a determination within ten (10) business days.

14.3 Disputes

If you dispute a charge, please contact us at info@propertyiq.app before initiating a dispute with your payment provider. We are committed to resolving billing issues promptly and in good faith. Initiating a chargeback without first contacting us may result in suspension of your account pending resolution.

14.4 Approved Refunds

Approved refunds will be credited to the original payment method within ten (10) to fifteen (15) business days of approval. Refunds are prorated based on the unused portion of your billing cycle unless otherwise determined.

15.1 How to Cancel

You may cancel your paid subscription at any time through your account settings or by contacting us at info@propertyiq.app. Cancellation is effective at the end of your current billing cycle.

15.2 Effect of Cancellation

Upon cancellation, you will continue to have access to paid features through the end of your current billing cycle. After that period, your account will revert to the free tier and you will lose access to premium features. Data associated with premium features may be retained for a reasonable period to allow for re-subscription, after which it may be deleted in accordance with our Privacy Policy.

15.3 No Partial Refunds

Unless otherwise specified in Section 14, cancellation does not entitle you to a refund for the remaining portion of a billing cycle. Annual subscribers who cancel mid-term will retain access through the end of the annual period.

15.4 Reactivation

If you wish to reactivate your subscription after cancellation, you may do so through your account settings. Reactivation may be subject to current pricing, which may differ from your prior subscription rate.

PropertyIQ is primarily a digital services platform. However, in the event that we offer physical goods (such as branded merchandise, printed reports, or hardware devices) either directly or through our platform, the following return policy applies:

• Eligibility: Physical goods may be returned within thirty (30) days of delivery, provided they are in unused, original condition with all packaging and documentation.
• Non-Returnable Items: Custom-printed reports, personalized items, and items marked as final sale are not eligible for return.
• Process: To initiate a return, contact info@propertyiq.app with your order number and reason for return. We will provide a return authorization and shipping instructions.
• Shipping Costs: Return shipping costs are the responsibility of the purchaser unless the return is due to a defect or shipping error on our part.
• Refund for Returns: Refunds for returned physical goods will be processed within fifteen (15) business days of receiving the returned item.

From time to time, Federal Contracting Services LLC may offer promotional pricing, free trials, referral programs, discount codes, or other special offers (“Promotions”) in connection with the Service. All Promotions are subject to the following general terms:

• Eligibility: Promotions may be limited to new users, specific subscription tiers, geographic regions, or other qualifying criteria as specified in the applicable promotional materials.
• Duration: All Promotions have a defined expiration date and must be redeemed prior to that date. Expired Promotions will not be honored.
• Non-Transferable: Unless otherwise stated, Promotions are non-transferable and may not be sold, bartered, or combined with other offers.
• Limit: Unless otherwise stated, Promotions are limited to one per user, per household, or per account.
• Auto-Renewal: Subscriptions initiated through a free trial or promotional pricing will automatically renew at the then-current standard subscription rate at the conclusion of the promotional period unless cancelled prior to renewal.
• Modification or Cancellation: We reserve the right to modify, suspend, or cancel any Promotion at any time for any reason, including in cases of suspected fraud or abuse, without liability to you.
• Tax Liability: You are solely responsible for any tax obligations arising from participation in a Promotion.

Specific terms for individual Promotions will be provided at the time of the offer and will supplement these general terms. In the event of a conflict, the specific promotional terms will control.

18.1 Disclaimer of Warranties

The Service, including all AI Features and AI-Generated Content, is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by applicable law, Federal Contracting Services LLC disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, and any warranties arising from course of dealing or usage of trade.

18.2 Limitation of Damages

To the maximum extent permitted by applicable law, in no event shall Federal Contracting Services LLC, its officers, directors, members, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation damages for loss of profits, goodwill, data, or other intangible losses, arising out of or related to:

• Your use of or inability to use the Service;
• Any AI-Generated Content, including any errors, inaccuracies, or omissions therein;
• Any real estate, investment, financial, or other decisions made in reliance on the Service or AI-Generated Content;
• Unauthorized access to or alteration of your transmissions or data;
• Any conduct or content of any third party on the Service;
• Any actions taken or not taken by Technology Partners; or
• Any other matter relating to the Service.

18.3 Cap on Liability

To the maximum extent permitted by applicable law, the total aggregate liability of Federal Contracting Services LLC arising out of or relating to these Terms or the Service shall not exceed the greater of (a) the total amount you paid to us in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred dollars ($100.00 USD).

18.4 Essential Basis

The limitations set forth in this Section 18 reflect a fair allocation of risk and form an essential basis of the bargain between you and Federal Contracting Services LLC. The Service would not be provided without these limitations.

You agree to indemnify, defend, and hold harmless Federal Contracting Services LLC, its officers, directors, members, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Service or AI-Generated Content;
• Your violation of these Terms or any applicable law or regulation;
• Your publication, distribution, or sharing of AI-Generated Content;
• Any User Content you submit to the Service;
• Your violation of any third-party rights; or
• Any dispute between you and a third party arising from your use of the Service.

20.1 Geographic Availability

The Service is designed for and primarily directed at users within the United States. While access may be available from other jurisdictions, we make no representation that the Service is appropriate, available, or compliant with laws outside of the United States. If you access the Service from outside the United States, you do so at your own risk and are solely responsible for compliance with your local laws.

20.2 Export Controls

The Service may be subject to United States export control laws and regulations, including the Export Administration Regulations (EAR) administered by the U.S. Department of Commerce. You agree not to export, re-export, or transfer the Service or any technical data received through the Service, directly or indirectly, in violation of any applicable export laws or regulations.

20.3 Sanctions Compliance

You represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to comprehensive U.S. economic sanctions (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine), and that you are not designated on any U.S. government list of prohibited or restricted parties, including the Specially Designated Nationals List maintained by the Office of Foreign Assets Control (OFAC).

20.4 Regulatory Compliance

You are solely responsible for ensuring that your use of the Service complies with all applicable federal, state, and local laws and regulations, including but not limited to the Fair Housing Act, the Real Estate Settlement Procedures Act (RESPA), state real estate licensing laws, and applicable data protection laws.

21.1 Agreement to Arbitrate

You and Federal Contracting Services LLC mutually agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, AI-Generated Content, your account, or the relationship between you and Federal Contracting Services LLC (collectively, “Disputes”) shall be resolved exclusively through final and binding individual arbitration, rather than in court, except as set forth in Section 21.4 below.

21.2 Arbitration Rules & Procedures

Arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, which are available at www.adr.org. If the AAA is unavailable or unable to administer the arbitration, the parties shall agree on an alternative arbitration forum; if no agreement can be reached, either party may petition a court of competent jurisdiction to appoint an arbitrator.

The arbitration shall be conducted by a single arbitrator with relevant experience. The arbitrator shall have the authority to grant any remedy that would be available in a court of competent jurisdiction, including injunctive or declaratory relief, but only to the extent required to satisfy your individual claim.

21.3 Location & Procedure

The arbitration shall be conducted in the English language. Unless you and Federal Contracting Services LLC agree otherwise, or the applicable AAA rules provide otherwise, the arbitration shall take place in Baltimore City, Maryland. For claims of $25,000 or less, you may choose whether the arbitration will be conducted solely on the basis of written submissions, through a telephonic or video conference hearing, or by an in-person hearing. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

21.4 Exceptions to Arbitration

Notwithstanding the foregoing, the following Disputes are excluded from this arbitration agreement:

• Claims that may be brought in small claims court, if your claims qualify;
• Actions seeking injunctive or other equitable relief for the alleged unlawful use of intellectual property (including copyrights, trademarks, trade names, logos, trade secrets, or patents);
• Any claim where arbitration is prohibited by applicable law that cannot be waived.

21.5 Arbitration Fees & Costs

Payment of all filing, administration, and arbitrator fees will be governed by the AAA's applicable Consumer Arbitration Rules. If your claim is for $75,000 or less, Federal Contracting Services LLC will pay all filing, administration, and arbitrator fees. If the arbitrator finds that your claim was frivolous or brought in bad faith, the arbitrator may reallocate fees in accordance with the AAA rules. Each party shall bear its own attorneys' fees and costs unless the arbitrator awards fees and costs to the prevailing party where authorized by applicable law.

21.6 Informal Resolution First

Before initiating arbitration, you agree to first attempt to resolve the Dispute informally by contacting us at info@propertyiq.app. We will attempt to resolve the Dispute informally within sixty (60) days. If the Dispute is not resolved within sixty (60) days of receipt of your written notice, either party may proceed to arbitration.

21.7 Opt-Out Right

You have the right to opt out of this binding arbitration agreement by sending written notice of your decision to opt out to info@propertyiq.app or to the Company's registered agent address within thirty (30) days of first accepting these Terms. Your notice must include your name, account email address, mailing address, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, the remaining provisions of these Terms will continue to apply.

21.8 Severability of Arbitration Provisions

If any portion of this arbitration agreement is found to be unenforceable or unlawful, the unenforceable provision shall be severed, and the remaining arbitration terms shall be enforced. However, if the Class Action Waiver in Section 22 is found to be unenforceable as to a particular claim for relief, then the entirety of this arbitration agreement shall be deemed void as to that claim only.

21.9 Survival

This arbitration agreement shall survive termination of your account, cancellation of your subscription, and any amendment to these Terms (unless the amendment specifically states otherwise and you affirmatively consent to the amendment).

Unless both you and Federal Contracting Services LLC agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative, class, or multi-party proceeding. The arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. Any relief awarded cannot affect other users.

We may suspend or terminate your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms or the Acceptable Use Policy.

Upon termination: (a) your right to use the Service will immediately cease; (b) we may delete or restrict access to your account and associated data in accordance with our Privacy Policy; and (c) any provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 5, 8, 9, 12, 18, 19, 21, 22, and 24.

These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law principles. To the extent that litigation is permitted under these Terms (for matters excluded from arbitration), you consent to the exclusive jurisdiction and venue of the state and federal courts located in Baltimore City, Maryland.

Federal Contracting Services LLC reserves the right to modify or replace these Terms at any time at our sole discretion. If we make material changes, we will provide at least thirty (30) days' notice prior to the new terms taking effect by posting the revised Terms on the Service and, where feasible, notifying you via email or in-app notification.

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and cancel your subscription.

Non-material changes (such as typographical corrections or clarifications) may be made without prior notice. The “Effective Date” at the top of these Terms indicates when the most recent material revision took effect.

If you have questions, concerns, or feedback regarding these Terms of Service, the Service, or any matter described herein, please contact us through any of the following channels:

For billing disputes, refund requests, cancellation assistance, and general support, please direct correspondence to info@propertyiq.app. For legal notices, arbitration demands, and opt-out requests, correspondence may also be sent to the registered agent address above.