Terms

Terms of service

Last updated · April 2026v 1.0

These terms govern your use of the CREFI website and web application. By creating an account or using the Service, you agree to them.

§ 01

The agreement

These Terms of Service form a binding agreement between you and CREFI AI, Inc. (“CREFI,” “we,” “us”). If you’re using the Service on behalf of an organization, you confirm you have authority to bind that organization to these terms.

Customers with a separate, signed Master Services Agreement with CREFI are governed by that agreement where it conflicts with these terms.

§ 02

The Service

CREFI is a closing coordination layer for independent title shops and closing attorneys. The Service assists with document drafting, curative workflows, CPL generation, and wire-fraud signal detection. It does not provide legal, title insurance, or underwriting advice.

You are responsible for reviewing output before it is relied on, filed, issued, or delivered to a third party.

§ 03

Accounts

You must provide accurate information, keep your credentials confidential, and promptly tell us about any unauthorized use. You’re responsible for activity that happens under your account.

§ 04

Customer data & license

You retain all rights in the files and records you submit to the Service (“Customer Data”). You grant CREFI a non-exclusive license to host, process, and transmit Customer Data solely to operate and improve the Service for you.

We do not use Customer Data to train third-party foundation models. We may use aggregated, de-identified data to monitor and improve the Service.

§ 05

Acceptable use

You agree not to:

  • Use the Service to violate law or a third party’s rights.
  • Reverse engineer, resell, or sublicense the Service without our written consent.
  • Upload malicious code, scrape the Service, or interfere with its operation.
  • Use the Service to issue final title insurance commitments without human review.
§ 06

Fees

Paid plans are billed in advance at the rates on our pricing page or in your order form. Unless stated otherwise, fees are non-refundable and do not include taxes. We may change pricing on at least thirty (30) days’ notice, effective at your next renewal.

§ 07

Intellectual property

The Service, the CREFI name and marks, and all related software and content are the property of CREFI or its licensors. These terms do not transfer any intellectual property to you beyond the limited right to use the Service.

§ 08

Third-party services

The Service may integrate with third-party systems (production platforms, e-signature, payment rails, etc.) under your direction. We are not responsible for the acts or omissions of those third parties. Your use of them is governed by their terms.

§ 09

Confidentiality

Each party will protect the other’s non-public information with at least the care it uses for its own, and use it only to perform under these terms. Confidentiality obligations survive termination.

§ 10

Warranty disclaimer

The Service is provided “as is.” To the fullest extent permitted by law, CREFI disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free.

§ 11

Limitation of liability

To the fullest extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data. Each party’s total liability arising out of or related to these terms will not exceed the fees you paid CREFI in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

§ 12

Indemnification

You will defend and indemnify CREFI against third-party claims arising from your Customer Data, your use of the Service in violation of these terms, or your violation of law.

§ 13

Term & termination

These terms apply while you use the Service. Either party may terminate for material breach that is not cured within thirty (30) days of written notice. We may suspend access for security, legal, or non-payment reasons.

On termination, your right to use the Service ends. Sections that by their nature survive termination (IP, confidentiality, disclaimers, liability, and dispute resolution) survive.

§ 14

Governing law

These terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. The state and federal courts located in Delaware have exclusive jurisdiction, and the parties consent to their venue.

§ 15

Changes

We may update these terms from time to time. We’ll post the updated version here and, for material changes, notify account holders by email or in-product notice. Continued use of the Service after the effective date means you accept the updated terms.