Terms of Service

Version 2026-07-26

Last updated: July 26, 2026

These Terms of Service (the "Terms") are a contract between Just OK Assets, LLC, a limited liability company organized under the laws of Oklahoma ("we," "us," "our," or the "Company"), and the business entity or individual that creates an account for the NoteHarbor service ("you," "your," or "Customer").

By creating an account, clicking a control indicating acceptance, or using NoteHarbor, you agree to these Terms. If you are accepting on behalf of a company or other entity, you represent that you have authority to bind that entity, and "you" means that entity. If you do not agree, do not create an account and do not use the Service.

These Terms incorporate by reference the End User License Agreement, the Privacy Policy, and the Electronic Communications Consent.

1. What NoteHarbor is, and what it is not

1.1 The Service. NoteHarbor is cloud-hosted software (the "Service") that helps you record, calculate, track, and document loans, notes, escrow accounts, and — where you subscribe to the rental features — rental properties that you own, hold, broker, or administer. The Service includes amortization and payoff calculation, payment and escrow ledgers, document storage, statements and notices, tax-form preparation aids, reporting, an optional borrower and tenant portal, and optional AI-assisted features.

1.2 We are a software provider. We provide software that you operate. We do not service loans for you, collect debts on your behalf, hold or disburse borrower funds, make lending or credit decisions, act as your agent, or hold any license on your behalf. Every decision made using the Service — to charge, waive, modify, accelerate, foreclose, report, or communicate — is yours.

1.3 No professional advice. Nothing produced by the Service and nothing in these Terms is legal, tax, accounting, investment, or financial advice. Calculations, forms, letters, schedules, and AI-generated summaries are informational aids. You are responsible for having them reviewed by your own attorney, accountant, or other qualified professional before you rely on them. These Terms are themselves a general commercial template and are subject to review by qualified counsel; they are not legal advice to you.

1.4 No fiduciary or advisory relationship. Your use of the Service does not create a fiduciary, agency, advisory, escrow, or trust relationship between you and us.

2. Definitions

"Account" means your organization's tenancy in the Service, including its users, settings, and data.
"Authorized User" means an individual you invite to your Account — an employee, contractor, partner, assistant, or other person acting for you.
"Customer Data" means all data, files, records, and content that you or your Authorized Users upload to, create in, or generate through the Service, including information about your borrowers, lenders, tenants, vendors, properties, and loans.
"Documentation" means the in-app help center, user manual, and any published guides for the Service.
"Sub-processor" means a third-party service we use to operate the Service, as listed in the Privacy Policy.

3. Eligibility and permitted users

3.1 Business use only. The Service is offered for commercial and business purposes only. It is not intended for personal, family, or household use, and it is not a consumer product.

3.2 United States only. The Service is offered from, and intended for use in, the United States. We make no representation that the Service is appropriate or available for use elsewhere, and you may not access the Service from a jurisdiction where doing so would be unlawful.

3.3 Age and authority. You must be at least 18 years old and able to form a binding contract.

3.4 Restricted parties. You represent that you are not, and are not acting on behalf of, any party subject to U.S. sanctions or named on a U.S. government restricted-party list.

4. Accounts, users, and security

4.1 Registration. You must provide accurate, current, and complete registration information and keep it current. Your organization name must be your real business name.

4.2 Your Authorized Users. You are responsible for your Authorized Users' acts and omissions in the Service as though they were your own, including their compliance with these Terms. Roles and permissions are yours to assign and review; assigning a broad role grants that person the access that role carries.

4.3 Credentials and account security. You are responsible for safeguarding login credentials, for promptly deactivating users who leave, and for using the security options the Service makes available, including multi-factor authentication. Notify us promptly at justokassets@gmail.com if you suspect unauthorized access.

4.4 Seat and capacity limits. Plans include stated user and active-loan capacity. You may not share one login among multiple people or otherwise circumvent capacity limits.

5. Your data, our role, and your compliance obligations

5.1 You own Customer Data. As between you and us, you own and retain all right, title, and interest in Customer Data. We claim no ownership in it.

5.2 Our role. For Customer Data — including personal information about your borrowers, tenants, and other third parties — we act as a service provider / processor, handling that data to provide the Service to you and on your instructions. For your own account, billing, and support information, we act as a controller. This split is described in detail in the Privacy Policy.

5.3 Your license to us. You grant us a limited, non-exclusive, worldwide license to host, copy, transmit, display, process, and back up Customer Data solely to provide, secure, support, and maintain the Service for you, and as otherwise permitted by the Privacy Policy.

5.4 You are responsible for your own compliance. You are solely responsible for:

determining whether and where you must be licensed or registered to originate, purchase, hold, service, collect on, or foreclose loans, or to manage rental property, and obtaining and maintaining those licenses;
your compliance with every law that applies to your business, which may include the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the SAFE Act, the Servicemembers Civil Relief Act, the Telephone Consumer Protection Act, the CAN-SPAM Act, state usury, licensing, foreclosure, escrow, landlord-tenant, and privacy laws, and applicable tax law;
the accuracy, quality, legality, and provenance of Customer Data, including your right to upload it and to have us process it;
providing any notices to, and obtaining any consents from, your borrowers, tenants, and other data subjects that the law requires;
reviewing every document, calculation, form, statement, notice, and tax figure the Service produces before you send, file, or rely on it; and
retaining your own records independently of the Service.

5.5 We do not decide your obligations. The Service includes settings, templates, and defaults — for example escrow cushion assumptions, late-fee rules, day-count conventions, or notice text. Those are configurable tools, not legal determinations. Whether any of them is correct or lawful for a given loan, property, or jurisdiction is your call, made with your own advisors.

5.6 Sensitive identifiers. The Service can store taxpayer identification numbers so it can prepare tax forms. How we handle those values is described in the Privacy Policy. Upload sensitive identifiers only where you have a lawful basis and a genuine need.

6. Consumer reporting

The Service can generate an export file in the Metro 2 format from data you enter, for you to download. We are not a consumer reporting agency and we do not transmit or furnish data to any consumer reporting agency. If you choose to furnish data about your borrowers to a credit bureau, you do so as the furnisher, under your own agreements with that bureau, and you alone are responsible for compliance with the Fair Credit Reporting Act and its furnisher rules, including data accuracy, dispute investigation, and required notices. Generating a file in the Service sends nothing to any bureau.

7. Acceptable use

You will not, and will not permit anyone to:

use the Service to violate any law or the rights of any person;
upload malicious code, or probe, scan, penetrate, disrupt, or overload the Service or its infrastructure;
attempt to access another customer's data or tenancy, or to circumvent tenant isolation, authentication, authorization, rate limits, or capacity limits;
reverse engineer, decompile, or disassemble the Service, except to the extent that restriction is unenforceable by law;
resell, sublicense, timeshare, or provide the Service as a service bureau to third parties, or use it to build a competing product;
scrape or bulk-extract the Service other than through features we provide;
use the Service to send unlawful, harassing, or deceptive communications, or communications that violate the Telephone Consumer Protection Act or the CAN-SPAM Act;
misrepresent your identity or your authority over an account or a loan;
upload data you have no right to upload; or
remove or obscure any proprietary notice.

We may suspend access without prior notice where we reasonably believe it is necessary to protect the Service, other customers, or any person from imminent harm or unlawful activity. We will restore access promptly once the cause is resolved.

8. AI-assisted features

8.1 What the AI does, and what it does not do. Some features use a third-party large language model to summarize, explain, extract, classify, or draft. AI never computes money and never makes decisions. Every amortization schedule, payment allocation, escrow figure, payoff, and tax computation is produced by deterministic calculation engines in the Service, not by a model. AI output is an aid to your reading and drafting.

8.2 Assist, cite, and disclaim. Where the Service uses AI to answer questions about tax or accounting topics, its output is informational, is meant to point you to the underlying authority, and is not tax or legal advice. Verify it against the primary source and your own professional before relying on it.

8.3 AI output may be wrong. Language models can produce plausible but incorrect, incomplete, or outdated statements. You must review AI output before using it. We disclaim responsibility for your reliance on unreviewed AI output.

8.4 What is sent, and no training. When you invoke an AI-assisted feature, the relevant content is transmitted to our AI Sub-processor for processing, as described in the Privacy Policy. We do not use Customer Data to train, fine-tune, or improve any generative model, ours or a third party's, and we send that content under commercial API terms that do not permit the provider to train on it.

8.5 Availability. AI features depend on a third-party provider and may be degraded, rate-limited, changed, or unavailable. They are not a core, guaranteed function of the Service.

9. Fees, billing, and taxes

9.1 Plans and fees. Fees, plan capacities, and any usage or add-on charges are as presented when you subscribe or as otherwise agreed in writing.

9.2 Payment processing. Payments are processed by Stripe. We do not receive or store your full payment card number. Your use of Stripe is subject to Stripe's own terms and privacy policy.

9.3 Billing basis. Subscriptions renew automatically for successive terms until cancelled. Where a plan meters loans, only loans in your active book count toward capacity; loans you have archived or closed out do not.

9.4 Trials and complimentary accounts. Free trials and complimentary accounts are offered at our discretion, may be limited in features or duration, and may be ended or converted to a paid plan on notice.

9.5 Changes to fees. We may change fees effective at the start of your next renewal term, with at least thirty (30) days' prior notice to the email address on your Account.

9.6 Non-payment. If a charge fails, we may retry it and may suspend or limit the Account after notice. You remain responsible for amounts accrued before suspension.

9.7 Refunds. Except where required by law or expressly agreed in writing, fees are non-refundable, and partial periods are not prorated.

9.8 Taxes. Fees are exclusive of sales, use, gross-receipts, and similar taxes, which are your responsibility. You are not responsible for taxes on our net income.

10. Term, cancellation, suspension, and your data on exit

10.1 Term. These Terms apply for as long as you have an Account.

10.2 Your cancellation. You may cancel at any time. Cancellation takes effect at the end of the then-current billing period; you keep access until then.

10.3 Our termination. We may terminate or suspend the Account for material breach of these Terms that is not cured within thirty (30) days of notice, for non-payment, for use that creates legal risk or imminent harm, or if we discontinue the Service generally, in which case we will give reasonable advance notice.

10.4 Export your data before you leave. The Service provides export features. Export what you need before your Account ends. If you need Customer Data after your Account ends, email justokassets@gmail.com within thirty (30) days of termination and we will use commercially reasonable efforts to provide an export, except where we terminated for unlawful use or the law requires otherwise. We are not a system of record for your regulatory retention obligations, and you should not rely on us as your only copy.

10.5 Survival. Sections 5, 6, 7, 11 through 17, and 19 through 21 survive termination.

11. Confidentiality

Each party may receive the other's non-public information. The receiving party will use it only to perform under these Terms, will protect it with at least reasonable care, and will not disclose it except to personnel and Sub-processors bound by comparable obligations, or as required by law, with notice to the other party where lawful. Customer Data is your Confidential Information. This section does not restrict information that is public, independently developed, or rightfully received from a third party without restriction.

12. Intellectual property

12.1 Ours. We and our licensors own the Service, its software, calculation engines, templates, Documentation, designs, and the NoteHarbor name and marks. Subject to these Terms and the EULA, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service during your subscription for your internal business purposes. No rights are granted except as expressly stated.

12.2 Yours. You keep all rights in Customer Data and in your own trademarks, including any logo or letterhead you configure for outbound documents. You grant us permission to display those marks solely to render your documents as you configured them.

12.3 Feedback. If you send us suggestions, we may use them without restriction or obligation to you.

12.4 Service data. We may generate aggregated, de-identified statistics about how the Service is used and use them to operate and improve the Service, provided they do not identify you, your Authorized Users, or any borrower, tenant, or other individual, and are never used to train generative models.

13. Third-party services

The Service depends on third-party providers for hosting, authentication, database and file storage, payment processing, email delivery, and AI features. They are listed in the Privacy Policy. The Service may also let you fetch publicly available records from third-party websites; those sites are not ours, and we do not warrant the accuracy of what they publish. Your use of any third-party service you connect is governed by that provider's terms.

14. Disclaimer of warranties

EXCEPT AS EXPRESSLY STATED IN THESE TERMS, AND TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, OR NON-INFRINGEMENT.

Without limiting that, we do not warrant that: the Service will be uninterrupted, timely, secure, or error-free; that calculations, forms, letters, notices, statements, or tax figures will be correct, complete, or suitable for your loans, properties, or jurisdictions; that AI output will be accurate; that data retrieved from third-party or public records will be accurate or current; or that the Service will satisfy any legal or regulatory obligation of yours.

We claim no security certification, accreditation, or third-party audit attestation. We describe the security controls we actually operate in the Privacy Policy and make no representation beyond them.

Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

15. Limitation of liability

15.1 Excluded damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST GOODWILL, REGULATORY FINES OR PENALTIES, OR THE COST OF SUBSTITUTE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY.

15.2 Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE AMOUNTS YOU ACTUALLY PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM.

15.3 Data and decisions. WITHOUT LIMITING THE ABOVE, WE ARE NOT LIABLE FOR LOSSES ARISING FROM DATA YOU ENTERED INCORRECTLY, FROM YOUR RELIANCE ON UNREVIEWED OUTPUT, FROM YOUR SERVICING, COLLECTION, FORECLOSURE, CREDIT-FURNISHING, OR TAX DECISIONS, OR FROM YOUR FAILURE TO MAINTAIN INDEPENDENT RECORDS OR REQUIRED LICENSES.

15.4 Basis of the bargain. These limits are an essential basis of the bargain and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

16. Indemnification

You will defend, indemnify, and hold harmless the Company and its officers, members, employees, and agents from and against any third-party claim, demand, proceeding, loss, liability, damage, fine, penalty, cost, or expense (including reasonable attorneys' fees) arising out of or relating to: (a) Customer Data, including any claim that it infringes or misappropriates rights or was collected or used unlawfully; (b) your use of the Service, including any servicing, collection, foreclosure, credit-furnishing, tax-filing, or communication decision you make; (c) your breach of these Terms or of any law; or (d) any dispute between you and a borrower, tenant, investor, lender, vendor, or regulator.

We will notify you of the claim, give you control of the defense (subject to our right to participate with our own counsel), and cooperate reasonably. You may not settle in a way that imposes liability or an admission on us without our written consent.

17. Changes to the Service and to these Terms

17.1 The Service. We may add, change, or discontinue features. We will not make a change that materially degrades the core function of a paid plan during a paid term without giving you notice and, where the degradation is material and we cannot remedy it, a pro-rata refund of prepaid, unused fees.

17.2 These Terms. We may update these Terms. We will post the updated version at /legal/terms with a new version identifier and, for material changes, give at least thirty (30) days' notice to your Account email before they take effect. Material changes may require you to re-accept before continued use. If you do not agree to a material change, your remedy is to stop using the Service and cancel before the change takes effect. Continued use after the effective date is acceptance.

18. Support and beta features

Support is provided as described on our site and in the Documentation, during normal business hours, with no guaranteed response time unless separately agreed in writing. Features labeled beta, preview, early access, or add-on trial are provided as is, may change or be withdrawn, and are excluded from any commitment in these Terms.

19. Governing law, venue, and disputes

19.1 Governing law. These Terms, and any dispute arising out of or relating to them or to the Service, are governed by the laws of the State of Oklahoma, excluding its conflict-of-laws rules and excluding the U.N. Convention on Contracts for the International Sale of Goods.

19.2 Venue. The parties consent to the exclusive jurisdiction and venue of the state and federal courts located in the State of Oklahoma, and waive any objection to that venue as inconvenient.

19.3 Informal resolution first. Before filing, the parties will attempt in good faith to resolve the dispute for thirty (30) days after written notice to justokassets@gmail.com describing the claim and the relief sought.

19.4 Injunctive relief. Either party may seek injunctive relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

19.5 Limitations period. Any claim must be brought within one (1) year after it accrues, to the extent that limit is enforceable.

19.6 Jury trial. EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL in any proceeding arising out of these Terms, to the extent permitted by law.

20. General

20.1 Entire agreement. These Terms, together with the EULA, Privacy Policy, Electronic Communications Consent, and any written order or plan terms, are the entire agreement between the parties on this subject and supersede all prior discussions. Any purchase-order or vendor-portal terms you issue are rejected and of no effect.

20.2 Order of precedence. If these Terms conflict with the EULA on software licensing, the EULA controls on that subject. If they conflict with the Privacy Policy on data handling, the Privacy Policy controls on that subject. Otherwise these Terms control.

20.3 Assignment. You may not assign these Terms without our prior written consent, except to a successor to all or substantially all of your business that is not our competitor and that agrees to these Terms. We may assign freely, including in a merger, acquisition, or sale of assets.

20.4 Independent contractors. The parties are independent contractors. Nothing creates a partnership, joint venture, franchise, employment, or agency relationship.

20.5 No third-party beneficiaries. There are no third-party beneficiaries to these Terms. Your borrowers, tenants, investors, and lenders acquire no rights against us under these Terms.

20.6 Force majeure. Neither party is liable for a failure or delay caused by events beyond its reasonable control, including infrastructure, network, hosting, or third-party provider outages.

20.7 Severability and waiver. If any provision is unenforceable, it is limited or severed to the minimum extent necessary and the rest remains in effect. A failure to enforce is not a waiver.

20.8 Notices. Notices to you may be sent to the email address on your Account or posted in the Service. Notices to us must be sent to justokassets@gmail.com and, for formal legal notices, in writing to:

Just OK Assets, LLC 3030 Northwest Expressway, Ste 200B, Oklahoma City, OK 73112, USA

20.9 Export and government use. You will comply with U.S. export control and sanctions laws. The Service is commercial computer software; U.S. Government users receive only the rights stated here.

20.10 Headings. Headings are for convenience only.

21. Contact

Questions about these Terms: justokassets@gmail.com

Just OK Assets, LLC 3030 Northwest Expressway, Ste 200B, Oklahoma City, OK 73112, USA