Terms of Service

1. Acceptance of Terms

By accessing or using UpsideIQ (the "Platform"), operated by LFO Capital LLC ("LFO Capital," "we," "us"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Platform.

2. Description of Service

UpsideIQ provides commercial real estate underwriting analysis tools, including a 10-year DCF model, deal scoring, AI-powered Offering Memorandum extraction, and investor-ready PDF report generation. The Platform is provided for informational and educational purposes only.

3. Not Financial or Investment Advice

Nothing on the Platform — including deal scores, valuations, projections, reports, grades, or recommendations — constitutes financial advice, investment advice, legal advice, or a recommendation to buy, sell, or hold any asset. LFO Capital LLC is not a registered investment advisor. All outputs are modeled estimates based on assumptions that may not reflect actual market conditions or future performance.

You are solely responsible for any investment decisions you make. Always consult qualified financial, legal, and tax professionals before making any investment decision.

4. User Accounts

You must create an account to use the Platform. You agree to:

• Provide accurate registration information
• Keep your password confidential
• Notify us immediately of any unauthorized account access
• Be responsible for all activity under your account

You must be at least 18 years old and legally capable of entering into contracts to use the Platform.

5. Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose
• Attempt to reverse-engineer, scrape, or copy the underwriting model or any proprietary algorithms
• Share your account credentials with others
• Upload malicious files or attempt to compromise platform security
• Resell or redistribute Platform outputs without our written consent

6. Subscription & Payments

The Platform offers a free tier and paid plans ($4.99 per report or $9.99/month Pro subscription). Payments are processed by Stripe, Inc. By providing payment information, you authorize us to charge the applicable fees.

Subscriptions renew automatically each billing period. You may cancel at any time from your billing dashboard. Cancellation takes effect at the end of the current billing period — no partial refunds are issued.

One-time purchases ($4.99 per report) are non-refundable once the report has been accessed.

7. Intellectual Property

The Platform, including the underwriting model, scoring algorithm, software, and all content, is owned by LFO Capital LLC and protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Platform for your personal or internal business purposes.

Deal data and reports you generate remain yours. You grant us a limited license to process that data solely to provide the service.

8. Disclaimer of Warranties

The Platform is provided "as is" and "as available" without any warranty of any kind, express or implied. We do not warrant that the Platform will be uninterrupted, error-free, or that any outputs will be accurate or complete. Use of the Platform is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law, LFO Capital LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform, including any investment decisions made in reliance on Platform outputs. Our total liability to you for any claim shall not exceed the amounts you paid to us in the 12 months preceding the claim.

10. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms, with or without notice. You may delete your account at any time by contacting us at info@lfocapital.com.

11. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Florida.

12. Changes to Terms

We may update these Terms at any time. Material changes will be communicated via email or in-app notice. Continued use of the Platform after changes constitutes acceptance.

13. Contact

Questions about these Terms? Contact us at info@lfocapital.com.