Last updated: May 2026 · Version 2026-05-08
These Terms of Service (“Terms”) govern your use of RegWatch (the “Service”) operated by RegWatch (“RegWatch,” “we,” “us”). By creating an account, generating a report, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.
You accept these Terms by checking the “I agree to the Terms of Service and Privacy Policy” box on the registration form, by completing a Stripe checkout where Stripe’s consent form references these Terms, or by continuing to use the Service after we publish a material change. We record your acceptance with a timestamp and a version number; if a material revision is published, we will require you to accept the new version on next login.
RegWatch aggregates publicly recorded property data from federal, state, and municipal agencies — including but not limited to NYC Open Data, ACRIS, DOB, HPD, DOF, PLUTO, county clerks, and FEMA — and presents that data through a website, downloadable PDF reports, an AI chat interface, monitoring alerts, and ancillary tools. The Service is intended for informational and due-diligence use by real estate professionals, investors, attorneys, brokers, property managers, and homeowners.
The Service is provided “as is” and “as available.” Information is sourced from third-party agencies and databases and is subject to their accuracy, completeness, update cadence, and limitations. RegWatch makes no representation or warranty that any record is current, complete, accurate, or correctly attributed. Sources contain typos, mismatched identifiers, recording lag, and unindexed documents. AI-generated narrative, scoring, or summaries may contain errors, omissions, or hallucinated content.
You are responsible for verifying any fact, figure, or interpretation before relying on it for a transaction, filing, financial decision, or legal proceeding. To the maximum extent permitted by law, RegWatch disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and uninterrupted availability.
RegWatch reports and data are provided for informational purposes only and may not be used for any purpose covered by the federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., or any analogous state law. Prohibited uses include, without limitation: (a) tenant screening or evaluation of any rental application; (b) credit, lending, or collections decisions; (c) employment screening or hiring decisions; (d) insurance underwriting or eligibility decisions; or (e) any other determination of an individual’s eligibility for credit, insurance, employment, housing, or government benefits.
RegWatch is not a consumer reporting agency, and the Service does not generate “consumer reports” as defined by the FCRA. By using the Service, you represent and warrant that you will not use it for any FCRA-covered purpose, and you agree to indemnify and hold RegWatch harmless from any claim or liability arising out of your misuse of the Service for such purposes.
You must be at least 18 years old and able to form a binding contract under U.S. law to create an account. You are responsible for maintaining the confidentiality of your password and for all activity under your account. One person or entity per account; account sharing, multi-account credit farming, and synthetic identities are grounds for immediate termination. Notify us at [email protected] immediately if you suspect unauthorized access.
Pro and Unlimited subscriptions auto-renew at the end of each billing period (monthly or annual) at the then-current rate until you cancel. Cancel anytime in your account at Account → Billing. Cancellation takes effect at the end of the current period; you keep access until then. We comply with NY GBL §527-a and California ARL (BPC §17600 et seq.) — clear and conspicuous notice is provided on the pricing page, the checkout form, and in your account billing surface. For annual subscriptions, we send a renewal reminder email approximately 15 days before each annual renewal.
Refunds are governed by our Refund Policy. In summary: PDF reports are non-refundable once delivered; subscriptions are pro-rated within 7 days of charge if no Pro tools have been used; credit packs are non-refundable once activated. Disputes about data accuracy are not a refund basis (see §3 and §4 above).
You agree NOT to:
Violations are grounds for immediate suspension or termination, with no refund.
Underlying public records remain in the public domain. Our compilation, normalization, scoring, AI-generated narrative, UI design, and presentation are RegWatch’s intellectual property. We grant you a non-exclusive, non-transferable, non-sublicensable license to view, use, and download generated reports for your own due diligence and business purposes — but not to redistribute, resell, or use them in derivative products without our written consent.
We may revise these Terms. Material changes will be (a) posted with a new “Last updated” date and an incremented version number, and (b) emailed to your registered address at least 30 days before taking effect for active subscribers. Continued use after the effective date constitutes acceptance. If you object to a material change, your sole remedy is to cancel your subscription and stop using the Service.
You may cancel your account at any time. We may suspend or terminate accounts for AUP violations (§8), non-payment, fraud, chargeback abuse, 12+ months of inactivity, or any breach of these Terms. We may delete inactive free-tier accounts after 18 months of no login. Upon termination we retain payment records as required by law (typically 7 years) and delete other personal data per the schedule in our Privacy Policy.
To the maximum extent permitted by law, RegWatch’s aggregate liability for any claim arising from or related to the Service shall not exceed the greater of (a) the fees you paid us in the 12 months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). In no event shall RegWatch be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, lost data, loss of goodwill, or business interruption, even if advised of the possibility. Some jurisdictions do not allow such limitations; in those jurisdictions, our liability is limited to the maximum extent permitted.
You will defend, indemnify, and hold RegWatch (and its officers, employees, contractors, and partners) harmless from any third-party claim arising from: (a) your misuse of the Service, including any FCRA-covered use (§4); (b) your breach of these Terms; (c) your violation of any law or regulation; (d) your infringement of any third party’s rights; or (e) any content you upload via chat, forms, or other user-input surfaces. RegWatch will indemnify you against bona fide third-party claims that the Service itself, as provided by us, infringes a U.S. patent, copyright, or trademark — subject to the liability cap in §12.
Read this section carefully — it affects your legal rights.
Any dispute, claim, or controversy arising out of or relating to the Service or these Terms (including their validity) shall be resolved by binding individual arbitration administered by JAMS in New York, New York under the JAMS Streamlined Arbitration Rules (or the Comprehensive Rules if the dispute amount exceeds $250,000). The arbitrator’s decision is final. Each side bears its own fees; RegWatch will pay your reasonable filing fees if you cannot afford them.
Class-action waiver: you and RegWatch each waive the right to participate in any class action, collective action, representative action, or consolidated proceeding. Disputes must be brought individually.
Small-claims carve-out: either party may bring a claim in small-claims court for matters within that court’s jurisdiction.
30-day opt-out: you may opt out of this arbitration provision by emailing [email protected] with “Arbitration Opt-Out” in the subject line within 30 days of first creating your account. Opt-out preserves your right to litigate in court but does not change any other Term.
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. Any litigation not subject to the arbitration clause in §14 (e.g., small claims, IP injunctions) shall be brought exclusively in the state or federal courts of New York County, New York, and you consent to that personal jurisdiction.
Neither party is liable for delay or failure to perform caused by events beyond reasonable control, including acts of God, war, terrorism, pandemic, internet backbone outage, third-party API or hosting provider outage (Cloudflare, Stripe, Mailgun, Groq), labor disputes, or government action. The affected party shall use reasonable efforts to resume performance.
If any provision of these Terms is held unenforceable, the remainder survives, and the unenforceable provision is reformed to the minimum extent necessary to make it enforceable. The arbitration class-action waiver in §14 is non-severable: if it is held unenforceable, the entire §14 is void and disputes proceed in court (subject to §15).
These Terms, together with the Privacy Policy, the Refund Policy, and any subscription order or partner agreement, constitute the entire agreement between you and RegWatch and supersede all prior or contemporaneous understandings. Oral statements by sales or support do not modify them. No waiver by RegWatch of any breach is a waiver of any subsequent breach.
You represent that you are not (a) located in or a resident of any country subject to comprehensive U.S. sanctions (currently Cuba, Iran, North Korea, Syria, the Crimea / DNR / LNR regions of Ukraine), (b) listed on the U.S. Treasury OFAC Specially Designated Nationals list, or (c) acting on behalf of any party so listed. We reserve the right to suspend accounts based on screening hits.
We respond to takedown notices under the Digital Millennium Copyright Act, 17 U.S.C. § 512. Send notices to our designated agent at [email protected] (subject: “DMCA Notice”) including: (i) your physical or electronic signature, (ii) identification of the work, (iii) identification of the allegedly infringing material with sufficient detail to locate it, (iv) your contact information, (v) a good-faith statement, and (vi) a statement under penalty of perjury that you are authorized. Counter-notices may be sent to the same address.
Programmatic access to the Service requires a written API agreement. Absent that, automated requests beyond normal browser use — including headless browsers, scraping frameworks, distributed crawlers, or rate evasion — are prohibited. We may rate-limit, IP-block, or terminate accounts that exceed reasonable use, and may pursue all remedies available under the Computer Fraud and Abuse Act and applicable state computer-trespass statutes.
The Service includes AI-generated chat responses, summaries, scoring, and narrative analysis (collectively, “AI Output”) produced by large language models hosted by third-party providers. AI Output is informational only — it is not a substitute for legal advice, tax advice, financial advice, professional inspection, or licensed representation. AI Output may be inaccurate, incomplete, or hallucinated; it may misstate dates, dollar amounts, ownership, or regulatory effect. You may not rely on AI Output for any legal, tax, financial, or compliance decision without independent verification by a qualified professional. The warranty disclaimer in §3 and the limitation of liability in §12 apply fully to AI Output.
The Service has no formal uptime guarantee. We perform routine maintenance (typically off-peak Eastern hours), apply security patches, and may experience outages of upstream providers (Cloudflare, Stripe, Mailgun, Groq, Contabo). We’ll make reasonable efforts to keep the Service available; we won’t credit subscriptions for short outages, but extended outages (more than 24 consecutive hours) may, at our discretion, earn pro-rated credit on request.
We give you notice by email to your registered address or by posting in your account or on the website. You give us notice by emailing [email protected] (or, for legal process, certified mail to our registered agent). Notices take effect on the day delivered.
Questions about these Terms: [email protected]. Privacy: [email protected].
These Terms are effective as of May 2026 (version 2026-05-08). For prior versions, contact [email protected].