Realtor Buddy – Terms of Use

1. Summary (Non-Binding)

This section is a convenience summary only and is not legally binding. The full Terms below are the legally binding agreement. If there is any conflict between this summary and the full Terms, the full Terms control.

Business / professional use only. Realtor Buddy is a subscription-based CRM platform for real estate professionals and organizations. You must be at least 18 and use it for business or professional purposes, not for personal or consumer purposes.

Subscription, not ownership. You are purchasing a subscription to access and use the Service; you do not acquire any ownership in the software, platform, or intellectual property.

Recurring billing & renewals. Plans are billed in advance (e.g., monthly or annually) and auto-renew until you cancel as described in these Terms. Fees are generally non-refundable unless required by law or expressly stated otherwise.

No guaranteed results. Realtor Buddy is a tool to help manage and communicate with leads, clients, and properties. We do not guarantee any specific results, such as lead volume, conversions, revenue, transaction closings, or data accuracy.

Geographic scope and governing law. The Service is currently available only to businesses operating primarily outside the United States, Canada, the United Kingdom, and Australia, subject to export and sanctions rules. These Terms are governed by the law of the State of New Mexico, USA, and disputes must be resolved in New Mexico courts (unless applicable law requires otherwise).

Acceptable use required. You must use the Service lawfully and responsibly. Prohibited activities include unlawful or fraudulent use, abusive or spam messaging, scraping beyond what is allowed, reverse engineering, security testing without permission, and storing highly sensitive data (such as full payment card numbers) for which the Service is not designed.

Your data stays yours. You retain ownership of your leads, contacts, property data, and other content ("User Content"). You grant us a license to use it as necessary to operate, secure, and improve the Service. We may use aggregated and anonymized data for analytics and product improvement.

Third-party integrations. The Service may integrate with third-party services (such as messaging, mapping, email/SMS, payments, analytics, or identity providers). You are responsible for complying with their terms, and we are not responsible for their performance, pricing, availability, or practices.

Termination & data export. You may cancel your subscription, generally effective at the end of your current billing period. We may suspend or terminate for non-payment, misuse, or legal reasons. After termination, you lose access to the Service, but we will provide a reasonable opportunity to export your data, subject to these Terms.

Liability is limited. To the maximum extent allowed by law, the Service is provided "as is" and "as available," our warranties are limited, we are not liable for indirect or consequential damages, and our total liability is generally capped at the fees you paid in the preceding 12 months.

No professional advice. Realtor Buddy does not provide legal, financial, tax, or real estate brokerage advice. You are responsible for your own decisions and for complying with your local laws and professional obligations.

Changes to Terms. We may update these Terms from time to time and will post the updated version at https://punctum-systems.com/realtor-buddy (and/or in the Service) with a new 1st of April, 2026. Your continued use after the effective date means you accept the updated Terms.

Please read the full Terms below carefully. They are the legally binding agreement between you and Punctum.

2. Acceptance of Terms

2.1 Binding Agreement.

These Terms form a binding contract between you and Punctum Systems Holdings LLC regarding your access to and use of the Service.

2.2 How You Accept.

You accept these Terms when you:

click an "I agree," "Accept," or similar button referencing these Terms;

create an account for the Service;

access or use the Service in any way; or

pay any fees related to the Service.

If you do not agree to these Terms, you must not access or use the Service.

2.3 Business / Professional Use.

The Service is intended for business and professional use only by real estate professionals, agencies, brokerages, and related businesses. You agree not to use the Service as a consumer for personal, family, or household purposes.

2.4 Authority.

If you use the Service on behalf of a company, organization, or other legal entity (an "Organization"):

you represent and warrant that you have the authority to bind that Organization to these Terms; and

"Customer", "you", and "your" will refer to that Organization and its Authorized Users.

If you do not have such authority, you must not use the Service on behalf of the Organization.

2.5 Minimum Age.

You must be at least 18 years old (or the age of legal majority where you reside, if higher) to use the Service.

3. Eligibility & Account Registration

3.1 Eligibility.

You represent and warrant that:

your business does not operate primarily in the United States, Canada, the United Kingdom, or Australia. The Service is currently available only to businesses and organizations that do not operate primarily in those jurisdictions;

you have the legal capacity to enter into a binding contract;

you are not located in, under the control of, or a national or resident of any country or territory subject to a comprehensive U.S. government embargo or sanctions, and you are not on any U.S. government restricted party list;

you will not use the Service for any purpose prohibited by applicable export or sanctions laws; and

your use of the Service complies with all laws and regulations that apply to you.

3.2 Account Registration.

To use certain features of the Service, you must register for an Account and provide accurate, current, and complete information. You agree to keep your Account information up to date and to promptly correct any changes (for example, changes in Organization name, billing details, or contact information).

3.3 Account Owner and Authorized Users.

The individual or Organization that creates the Account (or is identified as the customer in an order form, online checkout, or similar document, an "Order") is the Account owner.

The Account owner may invite or enable additional Authorized Users (e.g., team members, agents, staff) to access the Service under the Account, subject to plan limits and these Terms.

The Account owner is responsible for:

the actions and omissions of all Authorized Users;

managing permissions and access rights; and

ensuring all Authorized Users comply with these Terms.

3.4 Account Security.

You are responsible for:

maintaining the confidentiality of your login credentials;

restricting access to your devices and Account; and

all activities that occur under your Account, whether or not authorized by you.

You must promptly notify us at hello@punctum-systems.com of any actual or suspected unauthorized access to or use of your Account or credentials.

4. Subscription, Billing, Renewals, Trials, Taxes

4.1 Subscription-Based Access.

Access to the Service is provided on a subscription basis. You obtain a limited, non-exclusive, non-transferable right to use the Service during the applicable subscription term and in accordance with these Terms. You do not acquire any ownership interest in the Service, its code, or related intellectual property.

4.2 Plans and Fees.

Your subscription plan, features, usage limits, and fees are described in your Order or in the pricing information presented to you at the time of purchase or upgrade. We may offer different plans (for example, per-user, per-seat, or volume-based).

4.3 Billing and Payment.

Fees are generally billed in advance for the applicable subscription period (for example, monthly or annually), unless otherwise specified in your Order.

You authorize us (and our payment processors) to charge all applicable fees, including any applicable taxes, to your selected payment method on a recurring basis.

You must keep your billing information (including payment method details and contact information) accurate and up to date.

4.4 Auto-Renewal.

Unless otherwise stated in your Order:

your subscription automatically renews at the end of each billing period for successive periods of the same length; and

the then-current fees for your plan will apply at each renewal.

You may prevent automatic renewal by following the cancellation process described in Section 14 before the end of the current billing period.

4.5 Price Changes.

We may change fees for the Service from time to time. Any price changes will apply from the next renewal period after we provide notice (for example, via email or through the Service). Your continued use of the Service after the effective date of a fee change constitutes your agreement to the new fees.

4.6 Trials and Free Access.

We may offer free trials, beta features, or other promotional access at our discretion.

Any such access is provided "as is" and "as available", without any warranties, service levels, or commitments, and may be modified or discontinued at any time.

If your trial or promotional period is set to convert to a paid subscription automatically, we will disclose this at or before signup. In such cases, you will be charged at the end of the trial unless you cancel in accordance with the instructions provided.

4.7 Taxes.

All fees are exclusive of taxes, including but not limited to VAT, GST, sales, use, withholding, and other similar taxes or charges.

You are responsible for all such taxes and charges associated with your subscription, except for taxes based on our net income.

If we are required to collect or pay any such taxes, we may charge you for them in addition to the fees.

4.8 Non-Payment.

If any fees are not paid when due, we may, without limiting our other rights and remedies:

suspend or terminate your access to the Service (including Authorized Users' access); and/or

charge interest on overdue amounts at the maximum rate permitted by law.

5. Refund Policy

5.1 General Rule – No Refunds.

Because the Service is a business-oriented subscription and resources are committed based on your subscription, all fees are non-refundable, including for:

partial billing periods;

unused or inactive use of the Service; or

downgrades or cancellations made before the end of a billing period.

5.2 Exceptions.

Refunds may be provided only if:

expressly stated in an Order or in written promotional terms that apply to you; or

required by applicable law that cannot be waived.

5.3 Chargebacks.

You agree not to initiate chargebacks or payment disputes as a substitute for a valid cancellation or refund request. If you believe you are entitled to a refund under these Terms or applicable law, you must contact us at hello@punctum-systems.com to resolve the issue in good faith. We reserve the right to dispute and reverse any chargeback we consider improper.

6. Permitted Use / Acceptable Use

6.1 Permitted Use.

You may use the Service solely for:

your internal business or professional activities;

managing, communicating with, and supporting your leads, clients, and related contacts; and

other real estate–related workflows consistent with these Terms and any applicable documentation or usage guidelines.

6.2 Prohibited Activities.

You must not, and must not allow any third party (including Authorized Users) to:

Unlawful or Harmful Use

use the Service in any way that violates any law, regulation, or right of any person, including privacy, data protection, telemarketing, spam, and consumer protection laws;

use the Service for fraudulent, deceptive, or misleading activities.

Abusive or Spam Messaging

use the Service to send unsolicited or bulk communications (via email, SMS, WhatsApp, or any other channel) in violation of applicable anti-spam, marketing, or communications laws;

harass, threaten, or abuse any person using or through the Service.

Security and Integrity

attempt to gain unauthorized access to the Service or related systems;

bypass, disable, or interfere with any security feature, access control, or usage limit;

perform (or attempt) any penetration testing, vulnerability scanning, or security testing of the Service or its infrastructure without our prior written permission;

interfere with or disrupt the integrity, performance, or availability of the Service or underlying infrastructure.

Reverse Engineering and Misuse of Technology

reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying structure of the Service, except to the extent such restriction is prohibited by applicable law;

copy, modify, create derivative works of, or distribute any part of the Service except as expressly permitted in these Terms.

Scraping and Automated Access

access or search the Service by any means other than our publicly supported interfaces (for example, scraping or crawling) unless expressly permitted in writing;

use any automated system (such as bots or scripts) to send more requests to the Service than is reasonable for a human user or in a manner that harms or overloads our systems.

Improper Data Use

use the Service to store or process highly sensitive data that the Service is not designed to handle, including:

full payment card numbers;

unmasked national identification numbers (such as full Social Security numbers);

biometric data;

health information subject to specific regulatory regimes (such as HIPAA);

upload or transmit any malicious code, viruses, or other harmful components.

6.3 Compliance Responsibility.

You are solely responsible for ensuring that your use of the Service, including your communications and marketing activities, complies with all applicable laws, regulations, and industry rules in every jurisdiction where you operate or where your contacts are located.

7. User Content & Data

7.1 User Content Ownership.

As between you and us, you retain all right, title, and interest in and to the data, content, and materials you or your Authorized Users submit to or through the Service, including leads, contacts, client data, property information, notes, communications, documents, and other materials (collectively, "User Content").

7.2 License to Provide the Service.

You grant Punctum a non-exclusive, worldwide, royalty-free, sublicensable license to host, reproduce, process, transmit, store, display, and otherwise use User Content solely as necessary to:

provide, operate, maintain, and improve the Service;

prevent or address service, security, support, or technical issues; and

comply with law or any legal obligation.

7.3 Responsibility for User Content.

You are solely responsible for:

the lawfulness, accuracy, quality, and completeness of User Content;

obtaining all necessary rights, consents, and permissions to submit User Content to the Service and to allow us to process it as described in these Terms; and

ensuring that your use and processing of User Content (including any personal data) complies with all applicable data protection, privacy, marketing, and communications laws.

7.4 Communications with Contacts.

You are responsible for:

the content of any messages, campaigns, or communications sent via or in connection with the Service; and

ensuring you have proper legal basis (such as consent or legitimate interest, where required) to contact each recipient.

7.5 Aggregated and Anonymized Data.

We may generate and use aggregated and/or anonymized data derived from User Content and your use of the Service for:

analytics and statistical reporting;

benchmarking and industry insights; and

developing, improving, and marketing our products and services.

Such aggregated/anonymized data will not identify you or any individual person or Organization as the source.

7.6 Data Privacy.

Our handling of personal data is described in our privacy documentation or privacy policy made available at or through https://punctum-systems.com/realtor-buddy. To the extent applicable, such documents are incorporated by reference into these Terms.

8. Third-Party Services & Integrations

8.1 Third-Party Services.

The Service may integrate with or rely on third-party services, platforms, or tools ("Third-Party Services"), including, for example:

messaging platforms (such as WhatsApp or other Meta services);

mapping and location services;

email and SMS gateways;

payment processors;

analytics providers; and

identity or single sign-on providers.

8.2 Your Relationship with Third Parties.

Your use of any Third-Party Services is governed by the terms, conditions, and privacy policies of the applicable third-party providers. You are solely responsible for reviewing, accepting, and complying with those terms and policies.

8.3 No Responsibility for Third Parties.

We do not:

control or operate Third-Party Services;

guarantee their availability, security, performance, pricing, or features; or

assume any responsibility for any issues, damages, or losses caused by or related to Third-Party Services, including outages, service changes, price changes, or data loss.

8.4 Changes and Discontinuation.

Third-party providers may change or discontinue features, pricing, or access, and we may modify or discontinue any integrations or support for Third-Party Services at any time, without liability to you.

9. Confidentiality

9.1 Definition.

"Confidential Information" means any non-public information disclosed by one party (the "Disclosing Party") to the other party (the "Receiving Party") that is designated as confidential or that, given the nature of the information or the circumstances of disclosure, should reasonably be considered confidential. Confidential Information may include business, technical, financial, and customer information, User Content, and non-public features of the Service.

9.2 Exclusions.

Confidential Information does not include information that:

is or becomes publicly available through no fault of the Receiving Party;

was lawfully known to the Receiving Party before disclosure by the Disclosing Party;

is independently developed by the Receiving Party without use of or reference to the Disclosing Party's Confidential Information; or

is lawfully received from a third party without breach of any obligation of confidentiality.

9.3 Obligations.

The Receiving Party will:

use the Disclosing Party's Confidential Information solely as necessary to perform its obligations or exercise its rights under these Terms;

not disclose the Confidential Information to any third party except:

to its employees, contractors, and professional advisors who have a need to know and are bound by confidentiality obligations no less protective than those in these Terms; or

as otherwise permitted in these Terms or with the Disclosing Party's prior written consent; and

protect the Confidential Information using at least reasonable care.

9.4 Compelled Disclosure.

The Receiving Party may disclose Confidential Information to the extent required by law, regulation, or court order, provided that (where legally permitted) it:

gives the Disclosing Party prompt notice; and

cooperates reasonably with the Disclosing Party, at the Disclosing Party's expense, in any effort to limit or contest the disclosure.

10. Intellectual Property

10.1 Ownership of the Service.

As between you and us, Punctum and its licensors own all right, title, and interest in and to:

the Service and all underlying software, technology, and infrastructure;

all documentation, user interfaces, designs, and related materials;

all trademarks, logos, and branding associated with Punctum Systems or Realtor Buddy; and

all improvements, enhancements, modifications, and derivative works thereof.

Except for the limited rights expressly granted in these Terms, no rights are granted to you under any intellectual property rights, whether by implication, estoppel, or otherwise.

10.2 License to Use the Service.

Subject to these Terms and your payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service during your subscription term, solely for your internal business purposes.

10.3 User Content Ownership.

You retain ownership of your User Content as set forth in Section 7.

10.4 Feedback.

If you provide feedback, suggestions, ideas, or other comments regarding the Service ("Feedback"), you grant Punctum a worldwide, perpetual, irrevocable, royalty-free, fully paid-up license to use, copy, modify, create derivative works of, and otherwise exploit such Feedback for any purpose, without obligation, compensation, or attribution to you.

11. Service Availability & Maintenance

11.1 No Guaranteed Uptime.

While we aim to provide a reliable and consistent Service, we do not guarantee any particular uptime, availability, or response time, unless expressly agreed in a separate written service level agreement (if any) with you.

11.2 Maintenance and Updates.

We may perform maintenance, updates, and other changes to the Service from time to time, which may result in temporary service interruptions or changes in features. We will use reasonable efforts to schedule planned maintenance to minimize disruption and, where practicable, to provide notice of significant maintenance or changes.

11.3 Modifications to the Service.

We may add, remove, or modify features or functionality of the Service from time to time. If we make a change that materially reduces the functionality of a paid feature, we will use reasonable efforts to notify affected customers in advance.

12. Security Disclaimer

12.1 Security Measures.

We use reasonable technical and organizational measures designed to protect the security and integrity of the Service and User Content.

12.2 No Absolute Security.

However, no system is 100% secure, and we cannot and do not guarantee that:

the Service will be free from vulnerabilities, malware, or security breaches; or

unauthorized third parties will never be able to defeat our security measures.

You are responsible for maintaining appropriate safeguards (such as up-to-date devices, secure passwords, and backups consistent with your own policies) for your own systems and data.

13. Data Accuracy & No Professional Advice

13.1 Informational Purposes Only.

Any data, analytics, market information, recommendations, or automated outputs provided by or through the Service are for informational purposes only and may be incomplete, inaccurate, or outdated.

13.2 No Professional Advice.

Punctum Systems Holdings LLC is not:

a real estate broker;

a financial advisor;

a law firm or legal advisor; or

a tax or accounting advisor.

Nothing in or through the Service constitutes legal, financial, tax, or real estate brokerage advice, or any other professional advice.

13.3 Your Responsibilities.

You are solely responsible for:

verifying the accuracy and suitability of any data or information obtained through the Service;

making your own business decisions and conducting independent due diligence;

ensuring compliance with all applicable laws, regulations, licensing rules, and professional obligations in your jurisdiction(s).

You should consult qualified professionals (such as lawyers, accountants, or licensed real estate brokers) as needed.

14. Termination & Suspension

14.1 Term.

These Terms remain in effect from the time you first accept them and continue until terminated in accordance with this Section 14.

14.2 Termination by You.

You may terminate your subscription:

by following the in-app or online cancellation process, if available; or

by contacting us at hello@punctum-systems.com with a clear cancellation request that includes your Account details.

Unless otherwise specified in an Order or as required by applicable law:

your termination will be effective at the end of the then-current billing period; and

you will continue to have access to the Service until that time.

14.3 Termination or Suspension by Us.

We may suspend or terminate your access to the Service (in whole or in part), or to specific features or integrations, immediately upon notice to you if:

you fail to pay any undisputed amounts when due and do not cure within a reasonable period after notice;

you or any Authorized User materially breach these Terms (including the Acceptable Use provisions) and do not cure such breach within a reasonable period after notice (if curable);

your use of the Service poses a security risk, legal risk, or could adversely impact other users or our systems; or

we are required to do so by law, regulation, or governmental authority, or due to a change in law.

We may also suspend or limit functionality during investigations of suspected misconduct or security incidents.

14.4 Effect of Termination.

Upon termination of your subscription or these Terms:

your right to access and use the Service will immediately cease, except as otherwise stated in this Section;

we may delete, restrict access to, or anonymize User Content in accordance with our data retention practices and applicable law, subject to Section 14.5; and

you remain responsible for all fees and charges incurred through the effective date of termination.

14.5 Data Export.

Following termination, we will provide a reasonable opportunity (subject to technical feasibility and applicable law) for you to export your User Content, for example, via in-app export features or other reasonable means. We may set a time limit on such export period, after which we may delete or anonymize User Content.

14.6 Survival.

Provisions that, by their nature, should survive termination will survive, including but not limited to: Sections 5 (Refund Policy), 6 (Permitted Use / Acceptable Use), 7 (User Content & Data), 8 (Third-Party Services & Integrations), 9 (Confidentiality), 10 (Intellectual Property), 12 (Security Disclaimer), 13 (Data Accuracy & No Professional Advice), 15 (Disclaimers), 16 (Limitation of Liability), 17 (Indemnification), 18 (Governing Law & Venue), 19 (International Use & Export), 20 (DMCA / Copyright Policy), 21 (Changes to Terms), and 22 (Contact Information).

15. Disclaimers

15.1 Service Provided "As Is."

To the maximum extent permitted by applicable law, the Service is provided on an "as is" and "as available" basis, with all faults and without any warranty of any kind.

15.2 No Warranties.

To the fullest extent allowed by law, Punctum and its affiliates, licensors, and service providers expressly disclaim all warranties, whether express, implied, statutory, or otherwise, including any implied warranties of:

merchantability;

fitness for a particular purpose;

non-infringement; and

title.

We do not warrant that:

the Service will be uninterrupted, error-free, or secure;

any particular results, outcomes, or performance will be achieved through use of the Service;

data, analytics, or insights from the Service will be accurate, complete, or reliable.

15.3 No Guarantees of Results.

We make no guarantees regarding:

the number or quality of leads or contacts;

conversion rates, revenue, or profitability;

the accuracy of market or property data; or

any particular business or marketing outcomes.

Your use of the Service is at your sole risk.

16. Limitation of Liability

16.1 Exclusion of Certain Damages.

To the maximum extent permitted by applicable law, in no event will Punctum or its affiliates, officers, employees, agents, licensors, or suppliers be liable for any:

indirect, incidental, consequential, special, or punitive damages; or

loss of profits, revenue, goodwill, business opportunities, or data (whether direct or indirect),

arising out of or in connection with these Terms or the use of or inability to use the Service, even if we have been advised of the possibility of such damages or such damages were reasonably foreseeable.

16.2 Liability Cap.

To the maximum extent permitted by applicable law, our aggregate total liability for all claims arising out of or relating to these Terms or the Service, whether in contract, tort (including negligence), strict liability, or otherwise, will not exceed the total fees you paid to us for the Service during the twelve (12) months immediately preceding the event giving rise to the claim.

16.3 Multiple Claims.

Multiple claims will not enlarge the limitation of liability set forth in Section 16.2.

16.4 Exceptions.

The limitations in this Section 16 do not limit or exclude liability that cannot be limited or excluded under applicable law (for example, certain liabilities that may not be limited under consumer protection or other mandatory laws, to the extent such laws apply).

17. Indemnification

17.1 Your Indemnity.

You will indemnify, defend, and hold harmless Punctum and its affiliates, officers, employees, and agents from and against any and all third-party claims, demands, actions, proceedings, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

your or any Authorized User's use of the Service in violation of these Terms or any applicable law;

User Content, including any allegation that User Content infringes or misappropriates any intellectual property right or violates any privacy or data protection right;

your communications or marketing activities using or in connection with the Service, including alleged spam, unlawful marketing, or violation of telemarketing, email, or messaging laws;

any other misuse of the Service by you or your Authorized Users.

17.2 Indemnification Procedure.

We will:

provide you with prompt notice of any indemnifiable claim (provided that any delay in notice will not relieve your obligations except to the extent you are materially prejudiced by such delay);

allow you to control the defense and settlement of the claim, provided that:

you do so diligently and in good faith; and

you do not agree to any settlement that imposes any obligation on or admission of fault by Punctum without our prior written consent; and

reasonably cooperate with you (at your expense) in the defense and settlement of the claim.

18. Governing Law & Venue

18.1 Governing Law.

These Terms, and any dispute, claim, or controversy arising out of or relating to them or the Service, will be governed by and construed in accordance with the laws of the State of New Mexico, USA, without regard to its conflicts of law rules.

18.2 Venue and Jurisdiction.

The parties agree that:

the exclusive jurisdiction and venue for all disputes arising out of or relating to these Terms or the Service will be the state and federal courts located in the State of New Mexico, USA; and

each party irrevocably submits to the personal jurisdiction of such courts and waives any objection to such venue, including any claim of inconvenient forum.

18.3 Mandatory Laws.

If you are located outside the United States, mandatory local consumer protection or other laws may apply to you. These Terms are not intended to limit rights you may have that cannot be waived under such laws.

19. International Use & Export

19.1 Service Operated from the United States.

The Service is operated from the United States. If you access or use the Service from outside the United States, you are responsible for:

compliance with your own local laws and regulations; and

ensuring that your use of the Service and handling of User Content is lawful in every jurisdiction where you operate or where your contacts are located.

19.2 Export Controls and Sanctions.

You may not use, export, or re-export the Service in violation of:

any U.S. export control or sanctions laws and regulations; or

any other applicable export control or sanctions laws.

You represent and warrant that you are not:

located in, under the control of, or a national or resident of any country or territory subject to a comprehensive U.S. government embargo or sanctions; or

on any U.S. government list of prohibited or restricted parties.

You must not use the Service for any end-use that is prohibited under applicable export or sanctions laws.

20. DMCA / Copyright Policy

20.1 Respect for Copyright.

We respect the intellectual property rights of others and expect our users to do the same.

20.2 DMCA Notices.

If you believe that material available on or through the Service infringes your copyright, you may send a written notice of alleged infringement ("DMCA Notice") to us at hello@punctum-systems.com with the subject line "DMCA Notice".

Your DMCA Notice must include the following (consistent with 17 U.S.C. § 512(c)(3)):

a physical or electronic signature of the person authorized to act on behalf of the owner of the allegedly infringed work;

identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notice, a representative list of such works;

identification of the material that is claimed to be infringing or to be the subject of infringing activity, and information reasonably sufficient to permit us to locate the material (for example, a URL or other specific location within the Service);

your contact information, including your name, address, telephone number, and email address;

a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

a statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

20.3 Removal of Content.

Upon receiving a valid DMCA Notice, we may in our discretion remove or disable access to the allegedly infringing material and take other reasonable steps consistent with the Digital Millennium Copyright Act and other applicable laws.

20.4 Counter-Notice.

If you believe that material removed or disabled following a DMCA Notice is not infringing, or that you have authorization from the copyright owner, its agent, or the law to use the material, you may send a counter-notice to hello@punctum-systems.com with the subject line "DMCA Counter-Notice." Your counter-notice should include:

your physical or electronic signature;

identification of the material that has been removed or to which access has been disabled, and the location where the material appeared before it was removed or access disabled;

a statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification; and

your name, address, telephone number, and a statement that you consent to the jurisdiction of the federal court in your judicial district (or, if outside the U.S., in the State of New Mexico, USA) and that you will accept service of process from the person who provided the DMCA Notice or their agent.

20.5 Repeat Infringers.

We may, in appropriate circumstances and at our discretion, disable or terminate the accounts of users who are determined to be repeat infringers.

21. Changes to Terms

21.1 Right to Update.

We may update or modify these Terms from time to time to reflect changes in the Service, applicable law, or our business practices.

21.2 Notice of Changes.

When we make material changes, we will:

post the updated Terms at https://realtorbuddy.online/ (and/or within the Service); and

update the 1st of April, 2026 at the top of these Terms.

We may also provide additional notice (for example, by email or in-app message) where reasonably practicable.

21.3 Acceptance of Changes.

Your continued access to or use of the Service after the updated Terms become effective constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may terminate your subscription in accordance with Section 14.

22. Contact Information

If you have any questions about these Terms or the Service, please contact us at:

Punctum Systems Holdings LLC 1209 Mountain Road PL NE, STE R, Albuquerque, NM 87110, USA Email: hello@punctum-systems.com Website: https://punctum-systems.com/realtor-buddy