Legal · Soft-launch draft · Subject to update

Terms of Service — Penny Wesley LLC

Owner: PW Legal & Compliance (SSOT) Status: Soft-launch draft for go-live placement — company-owned legal wrappers, not outside-counsel review Effective (proposed): September 20, 2026 · Updated: September 20, 2026 (privacy scrub + address/MLS# inputs only + admin/support emails) Contact: admin@pennywesley.com

1. Agreement

By accessing pennywesley.com, the Penny Wesley portal (including any preview host such as pennywesley-portal.pages.dev), viewing any Penny Wesley page or materials, or purchasing tokens, prepaid packs, subscriptions, or related services from Penny Wesley LLC (“Penny Wesley,” “we,” “us,” “the Company”), you agree to these Terms of Service (“Terms”).

If you use the service for a brokerage or other entity, you represent that you are authorized to bind that entity.

Sole contracting party. Your agreement is solely with Penny Wesley LLC, a New Hampshire limited liability company. Nothing you view, browse, download, purchase, or otherwise obtain from or through Penny Wesley creates a contract, duty, warranty, or claim against any natural person associated with the Company.

2. No individual / personal liability (critical)

This section is material to your use of the service.

To the fullest extent permitted by law:

• Company only. All obligations, warranties (if any), duties, and liabilities arising from the website, portal, marketing materials, research products, tokens, subscriptions, payments, support, or any related Penny Wesley offering are obligations of Penny Wesley LLC alone.
• No personal responsibility. Viewing, purchasing, ordering, using, or relying on anything related to Penny Wesley does not create any personal, individual, joint, or several liability for any natural person affiliated with the Company in any capacity, including without limitation any creator, founder, organizer, registered agent, member, manager, officer, director, employee, contractor, agent, or representative. Public materials will not identify any such individual by personal name, home address, personal email, or personal phone as a contracting party or public contact.
• No personal claims. You agree not to assert, and you irrevocably waive, any claim, demand, suit, or proceeding against any such individual in their personal capacity arising out of or relating to Penny Wesley products, services, content, payments, or these Terms — whether in contract, tort (including negligence), statute, or otherwise — except to the extent a court of competent jurisdiction finally determines that applicable law forbids this waiver for that specific claim.
• Exclusive remedy against the Company. Your sole and exclusive recourse for any claim relating to Penny Wesley is against Penny Wesley LLC, subject to the disclaimers and liability limits in these Terms.
• No piercing by contract. You acknowledge you are dealing with a limited liability company and agree not to seek to impose personal liability on individuals merely because they own, manage, create content for, or act on behalf of the LLC.

Nothing in this section expands liability beyond what applicable law allows; it is intended to make the LLC-only nature of responsibility explicit.

3. Who may use the service

Services are intended for licensed real estate agents and related professionals acting in a business capacity. You are responsible for complying with your license, brokerage policies, MLS rules, and fair housing, advertising, and other applicable laws.

We may refuse, suspend, or terminate access for nonpayment, abuse, legal risk, or violation of these Terms.

4. What we provide

Penny Wesley provides research and due diligence materials based on publicly available sources and information you supply. Deliverables may include PDF briefs (Buyer Brief and/or Seller Brief) and related summaries delivered to your account or email.

We do not provide: appraisals; automated valuation models (AVMs); opinions or guarantees of value, marketability, or insurability; legal, tax, survey, title, inspection, engineering, lending, or insurance advice; private MLS remarks, lockbox codes, or showing passwords; invented or fabricated property history.

Public records and third-party data can be incomplete, outdated, or wrong. Briefs may omit or summarize items when records are incomplete; known gaps will be called out when we are aware of them.

AI / LLM-assisted research

We may use software tools, including artificial intelligence and large language models (AI/LLMs), to help gather, organize, summarize, or draft research materials. AI-assisted output can be wrong, incomplete, outdated, or misleading. You must independently verify material facts with primary sources and licensed professionals before relying on a brief or advising a client. AI use does not change Section 2 (no individual/personal liability) or the “AS IS” disclaimers below.

5. Your responsibilities

• Provide an accurate property address (verified lookup) and/or MLS number for lookup. You are not required to upload an MLS sheet, listing PDF, or similar document. Optional agent context may be offered but is never required. Property/MLS data is obtained through our licensed or contracted data sources (not by requiring you to upload MLS materials).
• Review briefs before sharing with clients; you remain solely responsible for client advice, disclosures, and compliance with fair housing and other laws.
• Do not use our materials to discriminate, steer, or otherwise violate fair housing or other laws.
• Do not resell our templates, software, or raw research as someone else’s product without our written permission.
• Keep your account credentials secure and notify us of unauthorized use.

6. Orders, tokens, and subscriptions

• Token. One token equals one finished brief for one address or MLS#, unless a product description at checkout expressly says otherwise. Buyer Brief and Seller Brief each consume tokens as described at purchase.
• Prepaid packs. Prepaid tokens are credited after payment clears and may be used until consumed, subject to these Terms and any stated expiration at purchase.
• Monthly plans. Subscription tokens reset each billing period. Unused monthly tokens do not roll over to a later period unless we expressly state otherwise in writing.
• Pay before research. Full payment (or a cleared invoice under a policy we approve) is required before research starts on a brief.
• Soft launch may use Stripe TEST checkout. Live production charges begin only when we enable them after bank/KYC and related payment-account steps.
• Taxes. Listed pack and plan prices are generally pre-tax. At live launch, Stripe Tax is on; applicable sales tax (or similar) may be calculated and shown at checkout and added to the amount due.
• Invoices. For approved brokerage invoices, default terms are NET-7 via Stripe Invoicing when offered. Pay-before-research remains the default unless we expressly approve starting research before funds clear.
• Prices, plans, and add-ons may change. The amount and product description shown at checkout control for that order (including any tax displayed).
• You may cancel a monthly subscription at any time; access and remaining period tokens continue through the end of the then-current billing period unless required otherwise by law.

7. Refunds

Because research is customized to an address and generally begins after payment:

• Unused prepaid tokens: full refund within 14 days of purchase if no brief has started on those tokens.
• After research has started on a token: no cash refund for that token; unused remaining prepaid tokens may be credited case-by-case.
• Monthly plans: cancel anytime; access through period end; no prorated cash refund of the current month unless required by law.
• We cancel / cannot fulfill: we will refund or credit the affected order as appropriate.
• How to request: email support@pennywesley.com with your Stripe receipt or invoice ID.
• Chargebacks / disputes: we may pause fulfillment on a disputed payment until resolved.

Nothing in this section limits rights that cannot be waived under applicable law.

8. Intellectual property

We own the brief templates, software, branding, and underlying systems. You receive a limited license to use delivered briefs for your real estate practice and to share them with clients and other transaction parties as appropriate. You may not scrape the site, copy our templates for a competing service, or reverse engineer the service.

9. Disclaimers

THE SERVICE AND BRIEFS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT BRIEFS ARE COMPLETE, ACCURATE, OR ERROR-FREE.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

• PENNY WESLEY LLC WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR LOST-PROFITS DAMAGES, OR FOR RELIANCE ON A BRIEF.
• OUR TOTAL LIABILITY FOR A CLAIM RELATING TO AN ORDER WILL NOT EXCEED THE AMOUNT YOU PAID PENNY WESLEY LLC FOR THAT ORDER IN THE THREE (3) MONTHS BEFORE THE CLAIM.
• NO INDIVIDUAL LIABILITY. UNDER NO CIRCUMSTANCES WILL ANY MEMBER, MANAGER, OFFICER, EMPLOYEE, CONTRACTOR, CREATOR, REGISTERED AGENT, OR OTHER NATURAL PERSON AFFILIATED WITH PENNY WESLEY LLC BE PERSONALLY LIABLE TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE, A BRIEF, A PAYMENT, OR THESE TERMS, EXCEPT WHERE APPLICABLE LAW EXPRESSLY FORBIDS THIS LIMITATION FOR THAT CLAIM.

11. Indemnity

You will defend and indemnify Penny Wesley LLC and its members, managers, officers, employees, contractors, and agents against claims arising from your misuse of the service, your client advice or disclosures, or your violation of these Terms or law — except to the extent caused by the Company’s willful misconduct. This indemnity is for the benefit of the Company and those individuals; it does not create personal liability of those individuals to you.

12. Privacy

See our Privacy Policy for how we handle personal information. The Privacy Policy is incorporated by reference.

13. Changes and termination

We may update these Terms by posting a new version with a revised effective date. Continued use after posting constitutes acceptance. We may suspend or terminate access for the reasons in Section 3. You may stop using the service at any time; prepaid and subscription balances are handled under Sections 6–7.

14. Governing law

These Terms are governed by the laws of the State of New Hampshire, without regard to conflict-of-law rules. Courts located in New Hampshire shall have exclusive jurisdiction, unless applicable law requires otherwise.

15. Contact

Penny Wesley LLC (only) Public / legal contact: admin@pennywesley.com Customer support & refunds: support@pennywesley.com (New Hampshire limited liability company. No personal name, home address, personal email, or personal phone is published as company contact.)

Do not treat personal email addresses, social accounts, or names of individuals as a separate contracting party.