These Terms & Conditions (“Terms”) govern your access to and use of NoteDealAnalyzer, including the NoteDealAnalyzer desktop application, website, documentation, reports, outputs, downloads, licensing, and related services (collectively, the “Software” or “Service”).
The Software is provided by SunShineson Finance LLC (“Company,” “we,” “us,” or “our”). By accessing, downloading, installing, purchasing, or using the Software, you agree to these Terms. If you do not agree, do not use the Software.
1.Nature of the Software
NoteDealAnalyzer is a desktop software tool designed to help users organize, calculate, review, and analyze information related to mortgage notes, real estate notes, payment histories, deal files, and similar user-provided data.
The Software is an informational and analytical tool only. It is intended to assist users in reviewing data, preparing calculations, comparing scenarios, and organizing their own due diligence materials.
The Software does not make decisions for the user. The Software does not replace independent judgment, professional review, legal advice, financial advice, accounting advice, tax advice, underwriting, title review, servicing review, collateral review, foreclosure analysis, or any other professional due diligence process.
2.No Offer, No Solicitation, No Marketplace
NoteDealAnalyzer is not a marketplace, exchange, broker, dealer, lender, note seller, loan originator, loan servicer, debt collector, foreclosure service provider, escrow service, securities platform, investment platform, or transaction platform.
The Software does not offer, sell, broker, solicit, arrange, promote, recommend, underwrite, finance, or facilitate the purchase or sale of any mortgage note, real estate note, loan, debt instrument, security, real estate interest, asset, investment contract, or investment product.
No screen, output, table, report, chart, calculation, estimate, score, label, classification, projection, export, summary, or other Software-generated material should be interpreted as an offer to sell, an offer to buy, a solicitation, a recommendation, a commitment, a valuation opinion, or a transaction instruction.
The Company does not introduce buyers and sellers, negotiate transactions, hold client funds, transmit investment funds, custody assets, verify title, verify ownership, verify lien position, verify borrower obligations, verify collateral value, or confirm the legal enforceability of any note, mortgage, deed of trust, assignment, allonge, judgment, lien, or related document.
3.No Investment, Financial, Legal, Tax, or Professional Advice
The Software and all related outputs are provided for informational and analytical purposes only.
The Software does not provide investment advice, financial advice, legal advice, tax advice, accounting advice, underwriting advice, foreclosure advice, real estate advice, lending advice, debt collection advice, servicing advice, securities advice, or fiduciary advice.
The Company is not acting as an investment adviser, broker-dealer, securities intermediary, financial adviser, attorney, accountant, tax adviser, loan servicer, title company, appraiser, underwriter, or fiduciary.
Use of the Software does not create an advisory, fiduciary, attorney-client, broker-client, lender-borrower, servicer-client, agency, partnership, joint venture, or similar professional relationship between you and the Company.
You are solely responsible for obtaining advice from qualified professionals before making any decision involving a note, loan, mortgage, deed of trust, real estate asset, borrower, foreclosure, bankruptcy, tax issue, legal claim, investment, sale, purchase, settlement, modification, workout, or collection strategy.
4.User Responsibility and Due Diligence
You are solely responsible for your own due diligence and decisions.
You are responsible for verifying all information entered into or imported into the Software, including but not limited to principal balance, unpaid balance, interest rate, payment history, borrower payment data, escrow data, taxes, insurance, lien status, collateral address, property value, legal status, bankruptcy status, foreclosure status, servicing records, document chain, ownership records, assignment records, allonges, title data, and any other deal-related information.
The Software may produce incorrect, incomplete, outdated, or misleading results if the data you provide is incorrect, incomplete, inconsistent, outdated, duplicated, mislabeled, or formatted in a way the Software does not correctly interpret.
You must independently verify all outputs before relying on them. You must not rely solely on the Software for any purchase, sale, investment, lending, servicing, foreclosure, legal, tax, accounting, or business decision.
5.No Guarantee of Results
The Company makes no representation, warranty, or guarantee regarding any financial, legal, investment, business, or operational outcome.
The Company does not guarantee profit, yield, return on investment, internal rate of return, net present value, cash flow, borrower performance, borrower payments, reinstatement, payoff, modification, settlement, foreclosure outcome, bankruptcy outcome, collection outcome, resale value, collateral value, title status, lien priority, document enforceability, legal collectability, tax treatment, or regulatory compliance.
The Company does not guarantee the accuracy of third-party data, user-imported files, servicing records, payment histories, collateral values, public records, or legal documents.
Any projections, assumptions, estimated returns, recovery scenarios, discount calculations, cash flow models, or other analytical outputs are hypothetical and informational only. Actual results may differ materially.
6.Beta, Early Access, and Product Limitations
The Software may be offered as a beta, early access, limited release, or evolving product. In such cases, the Software may contain errors, omissions, calculation issues, formatting issues, import issues, incomplete features, or unstable behavior.
You agree to independently verify all results and to use appropriate caution. You should not use beta or early access versions of the Software as the sole basis for any financial, legal, investment, tax, foreclosure, lending, servicing, or business decision.
The Company may modify, suspend, discontinue, replace, or limit any feature at any time.
7.User Data and Uploaded Files
The Software may allow you to import or process files, spreadsheets, PDFs, payment histories, note data, collateral data, and other deal-related materials.
You represent and warrant that you have the legal right to access, use, process, and analyze any data or files you import into the Software.
You are responsible for removing or redacting unnecessary sensitive information before sharing any file with the Company for support, troubleshooting, review, or feedback.
The Company is not responsible for the accuracy, completeness, legality, or reliability of user-provided data.
8.Account, Licensing, Payments, and Merchant of Record
Access to paid versions of the Software may require a valid license, subscription, activation, or purchase.
Payments, taxes, subscriptions, license delivery, refunds, chargebacks, and related purchase administration may be handled by Lemon Squeezy or another third-party merchant of record, payment processor, or licensing provider.
Your purchase may be subject to the payment provider’s own terms, refund policies, tax handling, privacy practices, fraud prevention rules, and compliance procedures.
The Company may suspend or terminate access to paid features if a payment fails, a subscription expires, a chargeback occurs, fraud is suspected, or license misuse is detected.
9.Acceptable Use
You agree not to use the Software for unlawful, fraudulent, deceptive, abusive, or unauthorized purposes.
You agree not to use the Software to provide unlicensed investment, legal, tax, lending, brokerage, securities, servicing, debt collection, or other regulated services.
You agree not to misrepresent Software outputs as professional advice, legal opinions, investment recommendations, underwriting approvals, appraisals, title opinions, verified valuations, or transaction instructions.
You agree not to reverse engineer, decompile, modify, resell, sublicense, or redistribute the Software except as expressly permitted by law or written agreement.
You agree not to interfere with licensing, activation, security, usage limits, or technical protection mechanisms.
10.Intellectual Property
The Software, website, documentation, branding, design, code, user interface, workflows, reports, templates, and related materials are owned by the Company or its licensors and are protected by intellectual property laws.
You receive only a limited, non-exclusive, non-transferable, revocable license to use the Software in accordance with these Terms and any applicable purchase or subscription terms.
No ownership interest in the Software is transferred to you.
11.Third-Party Services
The Software or website may reference, integrate with, or rely on third-party services, including payment processors, licensing providers, hosting providers, analytics tools, email providers, or external data sources.
The Company is not responsible for third-party services, third-party data, third-party websites, or third-party terms. Your use of third-party services is governed by their own terms and policies.
12.Disclaimers
To the maximum extent permitted by law, the Software and Service are provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise.
The Company disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, availability, and suitability for any financial, legal, investment, tax, accounting, foreclosure, lending, servicing, or business purpose.
You use the Software at your own risk.
13.Limitation of Liability
To the maximum extent permitted by law, the Company and its owners, members, managers, officers, employees, contractors, affiliates, service providers, and licensors will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, lost profit, lost revenue, lost opportunity, lost data, business interruption, investment loss, deal loss, legal loss, tax loss, foreclosure loss, collection loss, or similar damages arising from or related to your use of the Software.
To the maximum extent permitted by law, the Company’s total liability for any claim arising from or related to the Software or these Terms will not exceed the amount you paid to the Company for the Software during the three months preceding the event giving rise to the claim.
Some jurisdictions do not allow certain limitations of liability. In such cases, liability will be limited to the maximum extent permitted by applicable law.
14.Indemnification
You agree to indemnify, defend, and hold harmless the Company and its owners, members, managers, officers, employees, contractors, affiliates, service providers, and licensors from any claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising from or related to your use or misuse of the Software, your data, your files, your decisions, your violation of these Terms, your violation of law, or your violation of third-party rights.
15.Termination
The Company may suspend or terminate your access to the Software at any time if you violate these Terms, fail to pay required fees, misuse the Software, attempt to bypass licensing controls, or create legal, security, operational, or reputational risk.
Upon termination, your right to use the Software will cease, but provisions that by their nature should survive will remain in effect, including disclaimers, limitations of liability, indemnification, intellectual property rights, and payment obligations.
16.Changes to the Software and Terms
The Company may update the Software or these Terms from time to time. Updated Terms may be posted on the website or made available through the Software.
Your continued use of the Software after updated Terms are posted or made available constitutes acceptance of the updated Terms.
17.Governing Law
Unless otherwise required by applicable law, these Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles.
Nothing in these Terms limits any consumer rights that cannot be waived under applicable law.
18.Contact
If you have questions about these Terms, contact:
SunShineson Finance LLC
Email: support@notedealanalyzer.com