Last Updated: 0 4/07/2024

Welcome to Skeleton Key. These Terms of Use (“Terms”) govern your use of the Skeleton Key website (WithSkeletonKey.com), mobile applications, and services (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.

1. Acceptance of Terms

By using our Service, you certify that you have read and reviewed these Terms and that you agree to comply with its contents. If you do not want to be bound by the Terms of Use, you should not access or use the Service. Skeleton Key reserves the right to update these Terms at any time without notice to you.

2. Description of Service

Skeleton Key provides an online platform that facilitates direct seller financing for real estate transactions. Our services include, but are not limited to:

• Providing loan documents for seller financing arrangements
• Offering underwriting services
• Facilitating loan servicing
• Providing calculators and tools for estimating payments and profits
• Offering educational resources about seller financing

3. User Accounts

3.1. To access certain features of the Service, you may be required to create an account. You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account.

3.2. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

4. User Responsibilities

4.1. You agree to use the Service only for lawful purposes and in accordance with these Terms.

4.2. You agree not to use the Service: a) In any way that violates any applicable federal, state, local, or international law or regulation. b) To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation. c) To impersonate or attempt to impersonate Skeleton Key, a Skeleton Key employee, another user, or any other person or entity. d) To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Service, or which, as determined by us, may harm Skeleton Key or users of the Service or expose them to liability.

5. Intellectual Property

5.1. The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Skeleton Key and its licensors.

5.2. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Skeleton Key.

6. User Content

6.1. By posting, uploading, inputting, providing, or submitting content to the Service, you grant Skeleton Key a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to use, store, display, reproduce, save, modify, create derivative works, perform, and distribute your content on the Service solely for the purposes of operating, developing, providing, and improving the Service.

6.2. You represent and warrant that you own or control all rights in and to any content you provide, and that such content does not violate these Terms or any applicable law.

7. Third-Party Links

7.1. The Service may contain links to third-party websites or services that are not owned or controlled by Skeleton Key.

7.2. Skeleton Key has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

8. Termination

8.1. We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

8.2. If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

9. Limitation of Liability

9.1. In no event shall Skeleton Key, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from: a) Your access to or use of or inability to access or use the Service; b) Any conduct or content of any third party on the Service; c) Any content obtained from the Service; and d) Unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

10. Disclaimer

10.1. Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

10.2. Skeleton Key, its subsidiaries, affiliates, and its licensors do not warrant that: a) The Service will function uninterrupted, secure or available at any particular time or location; b) Any errors or defects will be corrected; c) The Service is free of viruses or other harmful components; or d) The results of using the Service will meet your requirements.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of [Your State], United States, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

13. Contact Us

If you have any questions about these Terms, please contact us at [Contact Email].