Terms of Service

These terms apply when you use the MyDemesne mobile app, the agent and broker portals at mydemesne.app, and the mydemesne.com website. By using any of them you agree to what's on this page.

What MyDemesne is, and isn't

MyDemesne is a private coaching tool that helps you understand and improve your financial readiness to buy a home. It surfaces information, suggests next steps, and (optionally) connects you with a real-estate agent.

MyDemesne is not a lender, a financial advisor, a mortgage broker, a credit-counseling service, or a real-estate brokerage. The readiness percentages, payment estimates, and recommendations the app shows are educational tools, not professional advice. Final decisions on credit, loans, properties, and agents are yours alone.

Your account

• You must be at least 18 to use MyDemesne.
• You're responsible for keeping your account secure (Face ID / Touch ID / passcode).
• If you create an agent or broker account, the information you provide must be accurate. Misrepresenting your identity, license, or brokerage is grounds for termination.

Subscriptions and billing

• Subscriptions auto-renew monthly until cancelled.
• You can cancel at any time in the app. Your access continues through the end of the paid period.
• If your agent or broker sponsors your plan and that sponsorship ends, you get a 14-day grace period to either subscribe directly or end your access. Nothing is auto-charged during the grace window.
• All prices are in USD and exclude applicable taxes. Payment is processed by a third-party payment provider.

Your data, your device

Your sensitive financial data (bank balances, credit reports, savings) lives on your device, encrypted at rest with a key held by your device. When you link with an agent, only a small summary is sent to them: readiness percentage, milestone flags, and optional contact info. See our Privacy Policy for full detail.

What you agree not to do

• Use the service to break a law.
• Reverse-engineer, decompile, or attempt to extract source code from the app or portal.
• Resell, sublicense, or commercially redistribute MyDemesne without written permission.
• Use automated systems to scrape, mirror, or harvest data from any MyDemesne surface.
• For agents/brokers: misrepresent your prospects' readiness or your own credentials, or use prospect contact info for purposes outside the agent–prospect relationship the prospect consented to.

Agent & broker terms

If you use the agent or broker portal, additional terms apply:

• You represent that you hold the licenses required to act as a real-estate agent or broker in the jurisdictions where you operate.
• The contact information of any prospect linked with you is for direct service of that prospect only. You may not add prospects to mass marketing lists, sell their information, or contact them after they release the link.
• Broker sponsorship of an agent's subscription does not entitle the broker to view the agent's prospects' sensitive financial data. Brokers see only per-agent aggregates (counts, averages, pipeline value).

Termination

You can stop using MyDemesne at any time. You can delete your local data in Settings. For server-side account deletion (agent / broker), email [email protected]. We may suspend or terminate accounts for misuse, fraud, or violations of these terms.

Disclaimers

MyDemesne is provided as-is. We don't guarantee that the readiness percentages or recommendations match what any specific lender, agent, or program will offer you. We don't guarantee uninterrupted availability of any third-party data source we rely on.

Limitation of liability

To the maximum extent allowed by law, MyDemesne's total liability for any claim arising from your use of the service is limited to what you paid us in the 12 months before the claim. We are not liable for indirect, consequential, or incidental damages (e.g. lost profits, missed home purchases, missed loan approvals).

Changes

We may update these terms as the product evolves. If we change something material, we'll update the “Last updated” date and surface the change in the app. Continued use after the change means you accept the new terms.

Governing law

These terms are governed by the laws of the State of South Carolina. Disputes that can't be resolved by good-faith discussion will be resolved in courts located in Sumter County, South Carolina.

Contact

Questions about these terms: [email protected]