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Terms of Service

Version 3.0
Effective Date: August 2, 2026
Last Updated: August 2, 2026

NOTICE TO ALL USERS: CAREFULLY READ THE FOLLOWING LEGAL AGREEMENT. THESE TERMS CONTAIN A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER (SECTION 24) THAT AFFECT HOW DISPUTES BETWEEN YOU AND US ARE RESOLVED. PLEASE REVIEW CAREFULLY.

1. Introduction

This software and subscription service are provided to you by The Invest Nest Holdings Inc. ("Company," "The Invest Nest," "TIN," "we," "our," or "us"), a Delaware corporation with a mailing address at PO Box 60, Buckeystown, MD 21717. These Terms of Service ("Terms") govern your access to and use of our website located at theinvestnest.com (including app.theinvestnest.com) (the "Site") and any related products, features, content, applications, and services we provide (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree with any part of these Terms, you must not use the Service. By subscribing to The Invest Nest, you become a Client of The Invest Nest and agree to adhere to these Terms without modification or reservation.

2. Geographic Scope; United States Only

The Service is offered to and intended for use solely by residents of the United States. We do not target or actively market the Service to users outside the United States. If you access the Service from outside the United States, you do so on your own initiative and at your own risk, and you are responsible for compliance with any applicable local laws. We make no representation that the Service is appropriate or available for use in any particular location outside the United States.

3. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you are at least 18 years old, have the legal capacity to enter into these Terms, and are not barred from receiving the Service under the laws of the United States or any other applicable jurisdiction. The Service is not directed to children under the age of 13, and we do not knowingly collect personal information from anyone under 13.

4. Account Registration

To access most features of the Service, you must create an account. By creating an account, you agree to:

  • Provide accurate, current, and complete information during registration.
  • Maintain and promptly update your account information to keep it accurate, current, and complete.
  • Keep your login credentials secure and confidential, and not share your account with any other person.
  • Accept responsibility for all activity that occurs under your account.
  • Notify us immediately at info@theinvestnest.com of any unauthorized use of your account or any other breach of security.

Accounts are personal. You may not create more than one account, create an account on behalf of another person without authorization, or use someone else's account. We may decline, limit, or condition registrations and trials in order to prevent fraud and abuse (for example, repeat trial sign-ups, disposable or masked email addresses, or payment methods previously associated with abuse of the Service).

5. Free Trial

5.1 Starting a Trial

When you sign up for a Premium subscription, you may be offered a free trial period of seven (7) days (the "Free Trial"). To start a Free Trial, you must provide a valid payment method. Before you enter your payment details, we show you the price of the subscription and the date your first charge would occur if you continue past the trial.

When you start a Free Trial, we may verify your payment method with a small temporary authorization hold (for example, $1). This is a verification hold, not a charge. It is released promptly and never settles. If your payment method cannot be verified, the trial will not start and you will not be charged.

5.2 What the Trial Includes

During the Free Trial, you have access to the features of the Premium subscription tier, subject to trial usage limits. Trial limits currently include 25 skip traces and 100 property saves for the trial period, along with daily search limits. The limits that apply to your trial are displayed in your account. Trial allowances apply to the trial period as a whole and do not reset during the trial.

5.3 Conversion to a Paid Subscription

You will not be charged a subscription fee during the Free Trial. Before your trial ends, we will remind you that the trial is ending and when your first charge will occur, and we ask you to confirm your subscription before your first charge.

If you do not cancel before the end of the seventh (7th) day of your Free Trial, your paid subscription begins and the payment method on file will be charged for the first month of the Premium subscription. That date becomes your billing date, and your subscription then renews monthly as described in Section 6. By starting a Free Trial, you authorize us to charge your payment method at the end of the trial period and on each renewal date thereafter, unless and until you cancel.

To avoid being charged, cancel before the end of the seventh day of the Free Trial. You can cancel at any time from your Account Settings or by contacting info@theinvestnest.com. Cancellation is self-serve and takes effect immediately for a trial.

If you choose to upgrade to a paid subscription before your trial ends, we will show you the amount and ask you to expressly confirm before any charge is made. We do not charge you during a trial without an explicit confirmation step.

5.4 Trial Eligibility

Free Trials are intended to let a new user evaluate the Service once. Unless we say otherwise, you are eligible for one Free Trial. If we detect that a new trial sign-up is associated with a previous account, trial, or payment method (for example, the same card used across multiple accounts), we may decline to offer a Free Trial, end the trial early, or require the subscription to start as paid. Where reasonably possible, we will present this to you as a clear choice before any charge occurs. Attempting to obtain repeated free trials through multiple accounts, email aliases, or payment methods is a violation of these Terms.

5.5 Invited and Promotional Trials

From time to time we may, at our sole discretion, invite specific individuals (for example, former users) to take a new promotional trial through a personal invitation link. Promotional trials are offered at our discretion, may carry their own terms and expiration dates, are personal to the invited recipient, and may not be transferred or shared. We may modify or withdraw any promotional trial offer at any time before it is accepted. Nothing in this section obligates us to offer a promotional trial to any person.

6. Subscription and Billing

6.1 Subscription Fees

By subscribing to the Service, you agree to pay the applicable subscription fees as displayed at checkout. Fees vary by subscription tier and may change over time as described in Section 6.4. The fee in effect for your account is the fee that was in effect when you most recently subscribed or renewed, unless we have provided notice of a price change as described below.

6.2 Payment Method

You authorize us, through our third-party payment processor (currently Stripe), to charge your designated payment method for all applicable fees, including subscription fees and any skip-trace credit pack purchases you make (Section 7). You are responsible for providing accurate and complete billing information and for keeping your payment method current. If your primary payment method is declined, you authorize us to charge any additional payment methods on file to cover the outstanding balance, and we may retry the charge in accordance with standard processor practice. If a renewal charge cannot be collected after those retries, your subscription may be suspended or canceled and your account will lose access to paid features.

6.3 Billing Cycle and Automatic Renewal

Premium subscriptions are billed monthly. Your billing date is the date of your first paid charge (typically the day your Free Trial ends), and each billing period runs from one billing date to the next. Your subscription automatically renews on your billing date each month until you cancel. You may cancel at any time before your next renewal in your Account Settings or by contacting info@theinvestnest.com. When you cancel a paid subscription, you keep access through the end of the current billing period, and your card is not charged again. If you change your mind before the period ends, you can undo the cancellation in your Account Settings.

6.4 Price Changes

We reserve the right to change subscription fees, including moving accounts on legacy, discontinued, or promotional pricing to a then-current price. We will provide notice of any fee change that affects your existing subscription at least thirty (30) days before the change takes effect, by email to your registered email address or by notice within the Service. If you do not wish to pay the new fee, you may cancel before the change takes effect. Continued use of the Service after a price change becomes effective constitutes acceptance of the new fee.

6.5 Taxes

All fees are exclusive of any applicable taxes, levies, or duties imposed by taxing authorities. You are responsible for paying all such taxes, levies, or duties, excluding only taxes based solely on our income.

6.6 Refunds

Except as otherwise provided in these Terms or required by applicable law, subscription fees and credit pack purchases are non-refundable. You may request a refund by contacting info@theinvestnest.com within thirty (30) days of a charge. Refund requests are evaluated on a case-by-case basis at our sole discretion. We may, at our discretion, issue refunds or account credits where we determine circumstances warrant. Common examples include billing errors, technical issues affecting access, and unresolved service problems. Refunds are not guaranteed and are not a substitute for exercising your right to cancel before the next billing cycle.

6.7 Billing Disputes

If you believe you have been billed incorrectly, please contact us at info@theinvestnest.com within thirty (30) days of the billing date. We will investigate the matter and, if we determine an error has occurred, we will issue a credit or refund to your account.

6.8 Third-Party Payment Processor

We use Stripe, Inc. as our third-party payment processor. By using the Service, you also agree to be bound by Stripe's Services Agreement, available at https://stripe.com/legal. We do not store full payment card numbers; payment data is handled by Stripe in accordance with its terms and privacy policy.

6.9 Promotional Offers

From time to time, we may offer promotional pricing, promotional trials, discounts, promotion codes, or affiliate codes. Promotional offers are subject to their own terms, may be limited in eligibility or duration, and may be modified or discontinued at any time. Not all users qualify for every promotional offer, and promotional offers have no cash value.

7. Usage Allowances and Skip-Trace Credits

7.1 Included Monthly Allowances

Paid subscriptions include monthly usage allowances, such as a monthly skip-trace allowance and a monthly property-save allowance. The Premium plan currently includes 500 skip traces and 5,000 property saves per billing period. The allowances that apply to your subscription are displayed in your account and at checkout. Certain features also carry daily limits.

7.2 How Included Allowances Reset

Included monthly allowances reset on your billing date, when your subscription renews for the next period. Unused included allowance does not roll over, does not accumulate, and expires at the end of the billing period in which it was granted. Included allowances have no cash value and are not refundable.

7.3 Purchased Skip-Trace Credit Packs

In addition to your included allowance, eligible subscribers may purchase skip-trace credit packs at the prices displayed in the app. Purchased credits never expire. They remain on your account until they are used or your account is deleted. Credit pack purchases are one-time charges, are not subscriptions, and do not renew.

Purchased credits are currently available for purchase by active paid subscribers only. If your paid subscription later ends, purchased credits you have already bought remain on your account.

7.4 Order of Use

When you run a skip trace, credits are consumed in the following order: promotional or free credits first, then your included monthly allowance, then purchased credits. If a skip trace fails to return results due to a technical error on our side or our data provider's side, the credit for that trace is returned to your balance.

7.5 Nature of Credits

All allowances and credits (included, promotional, and purchased) are a limited license to use a feature of the Service. They are not money, property, or a stored-value account. They have no cash value, cannot be redeemed for cash, cannot be transferred or sold, and are not refundable except as provided in Section 6.6 or as required by applicable law. If your account is terminated for a violation of these Terms, or you delete your account, any remaining allowances and credits are forfeited.

7.6 Changes to Allowances

We may change the allowances included with a subscription tier over time. If a change materially reduces the included allowance on your existing subscription, we will provide at least thirty (30) days' notice in the manner described in Section 6.4. Changes do not affect credits you have already purchased.

8. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:

  • Use the Service for any unlawful purpose or in violation of any applicable federal, state, or local law or regulation.
  • Violate or infringe the rights of others, including privacy, publicity, intellectual property, or contractual rights.
  • Interfere with or disrupt the Service, our servers, or networks connected to the Service.
  • Transmit any viruses, worms, malware, or other harmful code.
  • Send, store, or transmit any unlawful, defamatory, harassing, abusive, fraudulent, or obscene material through the Service.
  • Impersonate another person or entity, misrepresent your affiliation with any person or entity, or create multiple accounts for any purpose (including to obtain additional trials or allowances).
  • Use bots, spiders, scrapers, parsers, or other automated means to access, copy, or extract data from the Service, or access the Service by any means other than the interfaces we provide.
  • Circumvent or attempt to circumvent any access controls, rate limits, daily or monthly usage limits, bulk-operation limits, trial-eligibility checks, or other security or anti-abuse measures of the Service.
  • Attempt to reverse engineer, decompile, disassemble, or otherwise derive the source code of the Service or any underlying technology.
  • Resell, sublicense, redistribute, or otherwise commercially exploit the Service or any data obtained through the Service except as expressly permitted by these Terms.
  • Use the Service to operate as a competing data broker, lead-generation reseller, or skip-trace service, or use data from the Service to build or train a competing product, dataset, or machine-learning model.

We enforce rate limits and usage limits on searches, saves, skip traces, and bulk operations. These limits protect the Service and its data costs, and we may adjust them to prevent abuse. Usage that exceeds the pace of normal human use of the product may be treated as automated abuse.

8.1 Permitted Commercial Use

The Service is built for real estate investors, wholesalers, flippers, landlords, and related professionals. Using insights, leads, and contact information obtained through the Service to identify, evaluate, contact, and pursue real estate investment opportunities for your own real estate business is the intended and permitted use of the Service. The restrictions in Section 8 are intended to prohibit reselling our data, scraping in bulk, and operating a competing data service; they are not intended to prohibit you from using the Service for its intended purpose.

9. Data Use Restrictions for Property and Owner Data

The Service surfaces information about real properties and the individuals associated with those properties (including names, mailing addresses, telephone numbers, email addresses, and other contact information sourced from public records and third-party data providers) ("Property Data"). You agree to use Property Data only for lawful real estate-related purposes and in accordance with the following restrictions.

You may NOT:

  • Resell, redistribute, license, or transfer Property Data to any third party.
  • Use Property Data for identity theft, fraud, or any other criminal purpose.
  • Use Property Data to stalk, harass, intimidate, dox, or otherwise harm any individual.
  • Use Property Data to compile or contribute to consumer profiles, dossiers, or databases offered or sold to others, or to train machine-learning models or build derivative datasets.
  • Use Property Data outside the United States.
  • Use Property Data in violation of any federal, state, or local law, including the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule (TSR), the CAN-SPAM Act, the Fair Debt Collection Practices Act (FDCPA), state telemarketing laws, and applicable federal and state Do Not Call (DNC) regulations.
  • Use Property Data for any purpose regulated by the Fair Credit Reporting Act (see Section 10 below).

10. FCRA Disclaimer (Important)

The Invest Nest is not a consumer reporting agency, and the Service is not a consumer report. Property Data made available through the Service is sourced from public records and third-party data providers and is not assembled, evaluated, or maintained for use as a "consumer report" within the meaning of the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. ("FCRA"), or any state-equivalent law.

You may NOT use the Service or any Property Data for any of the following FCRA-regulated purposes:

  • Pre-employment screening or any decision related to employment, promotion, retention, or reassignment;
  • Tenant screening or any decision related to renting, leasing, or housing eligibility;
  • Credit decisions or any decision related to extending, denying, or modifying credit;
  • Insurance underwriting, eligibility, or pricing;
  • Any other purpose that requires "permissible purpose" under the FCRA.

By using the Service, you agree not to use Property Data for any FCRA-regulated purpose, and you agree to defend, indemnify, and hold harmless The Invest Nest from and against any claim arising out of your misuse of Property Data in violation of the FCRA or any state-equivalent law.

11. Skip-Trace Data, DNC Flags, and Contact Data Signals (Important)

11.1 Skip-Trace Data Is Provided As-Is

Skip tracing in the Service returns contact information and related data points about property owners and occupants, such as phone numbers, email addresses, mailing addresses, and demographic details ("Skip-Trace Data"). Skip-Trace Data is compiled by third-party data providers from public records and other third-party sources. It is provided strictly on an as-is and as-available basis, for informational purposes only.

We do not verify Skip-Trace Data, and we make no representation, warranty, or guarantee of any kind about its accuracy, currency, completeness, or fitness for any purpose. Phone numbers may be wrong, disconnected, reassigned to a different person, or associated with someone other than the property owner. Email and mailing addresses may be outdated. Any data point returned by a skip trace may be incorrect. You are responsible for independently verifying any information before relying on it or acting on it.

11.2 DNC Flags Are Informational Only, Not a Compliance Service

Where available from our data providers, the Service may display a "DNC" flag next to a phone number, indicating that the number appeared on the National Do Not Call Registry or a similar list according to third-party data at the time of the trace. You should understand exactly what this flag is and is not:

  • The DNC flag is a courtesy informational indicator only. It is not legal advice, it is not a compliance determination, and it is not a substitute for the compliance checks the law requires of you.
  • The flag may be wrong in either direction. A number without a DNC flag may in fact be on the National DNC Registry or a state registry, and a flagged number may have been removed. Registry status changes constantly, and third-party flag data can lag or contain errors. The absence of a DNC flag is not permission to call a number.
  • We do not remove or withhold records. All records returned by a skip trace remain available to you regardless of DNC status, because DNC restrictions generally apply to telephone solicitation, and you may have lawful ways to reach a person (for example, direct mail). What you do with a record, and whether any particular form of contact is lawful, is entirely your responsibility.
  • The Service is not a DNC scrubbing service. Before placing calls or sending texts, you are responsible for scrubbing your call lists against the National DNC Registry and any applicable state registries, and for complying with all consent requirements, in accordance with Section 12. We recommend using a reputable third-party DNC scrubbing and litigator-scrub service before any phone or text outreach.

11.3 Phone-Activity Scores, Line Types, and Owner Labels

The Service may also display additional data signals, such as phone-activity scores, line types (for example, mobile or landline), and labels indicating whether a contact appears to be the property owner or a resident. These signals are third-party estimates provided for informational purposes only. They are not verified, they may be inaccurate, and they must not be treated as a factual determination about any person or phone number. They are provided to help you prioritize your own research, not to replace it.

11.4 Your Responsibility and Indemnity

You are solely responsible for how you use Skip-Trace Data and for the legality of your outreach. Without limiting Section 22, you agree to defend, indemnify, and hold harmless The Invest Nest from and against any claim, fine, penalty, judgment, or liability arising out of your use of Skip-Trace Data or your outreach activities, including claims under the TCPA, the TSR, state telemarketing or privacy laws, and DNC regulations.

12. Compliance with Telemarketing and Outreach Laws

You are solely responsible for ensuring that your use of contact information obtained through the Service complies with all applicable laws, including the Telephone Consumer Protection Act (TCPA) and its implementing regulations, the Telemarketing Sales Rule (TSR), the National Do Not Call Registry, applicable state DNC and telemarketing laws, the CAN-SPAM Act, and any other law governing telephone calls, text messages, voicemail drops, ringless voicemail, email, or other outreach.

The Invest Nest is not a telemarketing service, does not place calls or send messages on your behalf, and provides Property Data and Skip-Trace Data for informational purposes only. You acknowledge that:

  • You are responsible for obtaining any consent required under applicable law before contacting any individual, including any prior express consent or prior express written consent required for calls or texts made with automated technology or artificial or prerecorded voice.
  • You are responsible for scrubbing phone numbers against the National DNC Registry and any applicable state DNC lists before placing calls or sending texts, regardless of any DNC flag shown or not shown in the Service (see Section 11.2).
  • You are responsible for honoring revocation of consent, opt-out requests, and stop requests in accordance with applicable law.
  • You are responsible for complying with permissible calling-time restrictions and call-frequency limits under federal and state law.
  • The Invest Nest is not responsible for any legal claims, fines, judgments, or other liability arising from your telemarketing, text messaging, mail, email, or other outreach activities.

13. Privacy and Security

Our Privacy Policy describes how we collect, use, and share information about you. By using the Service, you also agree to our Privacy Policy, which is incorporated into these Terms by reference.

14. Content

14.1 Your Content

You retain ownership of any content you submit, post, upload, or display on or through the Service, including community feed posts, comments, replies, profile information, uploaded images, uploaded lists, custom notes, and tags ("Your Content"). By submitting Your Content, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute Your Content in connection with operating, providing, and improving the Service, in any media now known or later developed. This license continues even after you stop using the Service for content you posted publicly within the Service (such as community feed posts), to the extent necessary to maintain the integrity of the public record. You may delete Your Content at any time, except where retention is necessary to comply with legal obligations.

You represent and warrant that you have all rights necessary to grant the license described above and that Your Content does not infringe the rights of any third party.

14.2 Our Content

The Service and all original content, features, and functionality (other than Your Content) are and will remain the exclusive property of The Invest Nest and its licensors. Our content is protected by copyright, trademark, trade secret, and other laws. Nothing in these Terms grants you any right, title, or interest in our content other than the limited right to use the Service in accordance with these Terms.

14.3 Third-Party Content

The Service may include or link to content provided by third parties, including Property Data and Skip-Trace Data sourced from third-party providers. We do not exercise editorial control over and are not responsible for third-party content. We may, but are not obligated to, screen, review, edit, or remove third-party content.

14.4 Community Guidelines

If you participate in user-to-user communication on the Service (including the community feed, comments, and replies), you agree to follow our Community Guidelines:

  • Respectful conduct. Treat all users with respect and courtesy. Do not engage in harassment, bullying, threats, personal attacks, or discriminatory remarks based on race, ethnicity, national origin, religion, sex, gender identity, sexual orientation, disability, or any other characteristic.
  • Appropriate content. Do not post obscene, pornographic, defamatory, violent, or otherwise inappropriate content. Do not promote illegal activity. Do not spam or flood the community channels.
  • Privacy and safety. Do not share personal information of yourself or others (addresses, phone numbers, email addresses) outside of the intended Property Data context. Do not engage in doxing.
  • Intellectual property. Respect the intellectual property rights of others. Do not post content you do not own or have permission to use. Do not distribute pirated material.
  • Honest participation. Do not impersonate others or misrepresent your affiliation with any person or entity.

We may monitor user communications and remove content or take action against accounts that violate these guidelines, in our sole discretion. To report a violation, use the Report button on the Community Feed or contact info@theinvestnest.com.

15. DMCA Copyright Policy

We respect the intellectual property rights of others and expect users to do the same. In accordance with the Digital Millennium Copyright Act ("DMCA"), 17 U.S.C. § 512, we will respond to clear notices of alleged copyright infringement.

If you believe that content available through the Service infringes a copyright you own or control, please send a written notice to our Designated Agent that includes:

  1. A physical or electronic signature of the copyright owner or authorized agent.
  2. Identification of the copyrighted work claimed to have been infringed.
  3. Identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate it.
  4. Your name, address, telephone number, and email address.
  5. A statement that you have a good faith belief that the use is not authorized by the copyright owner, its agent, or the law.
  6. A statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on behalf of the owner.

Designated Agent for DMCA notices:
The Invest Nest Holdings Inc.
Attn: DMCA Agent
PO Box 60
Buckeystown, MD 21717
Email: info@theinvestnest.com (please include "DMCA Notice" in the subject line)

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

If you believe content of yours was removed in error, you may submit a counter-notice in accordance with 17 U.S.C. § 512(g).

16. Intellectual Property Disputes

If you believe that content or functionality on the Service infringes any intellectual property right of yours other than copyright (including trademark, trade secret, or patent rights), please contact us at info@theinvestnest.com with a detailed description of the alleged infringement and your contact information. We will investigate and respond as appropriate.

17. Affiliate Program

We may offer an affiliate program through which existing users and partners can refer new customers in exchange for compensation. Participation in the affiliate program is subject to separate terms presented at the time of enrollment. Affiliates are independent contractors and not employees, agents, or representatives of The Invest Nest.

18. Termination

18.1 Cancellation by You

You may cancel your subscription at any time in your Account Settings or by contacting info@theinvestnest.com. When you cancel a paid subscription, you retain access to the Service through the end of your current billing period, and your subscription will not renew. No proration or partial refund is provided for the unused portion of a billing period, except as described in Section 6.6.

18.2 Account Deletion

You may delete your account at any time in your Account Settings. Deleting your account immediately cancels any active subscription or trial associated with it. You will not be charged again after a completed account deletion. Account deletion is permanent: your saved lists, pipeline, notes, remaining allowances, and any unused skip-trace credits (including purchased credits) are removed and cannot be restored, and no refund is provided for them except as described in Section 6.6 or as required by law. If a technical failure prevents us from canceling your subscription during deletion, the deletion will not complete, so that you are never left with a subscription you cannot see or manage.

18.3 Termination or Suspension by Us

We may suspend or terminate your account or access to the Service, in whole or in part, in any of the following circumstances:

  • You materially breach these Terms (including the Acceptable Use, Data Use Restrictions, FCRA, Skip-Trace Data, and Telemarketing sections), provided that, where the breach is curable, we will give you reasonable notice and an opportunity to cure unless the breach is willful, repeated, or poses an immediate risk of harm.
  • You fail to pay fees when due (we may suspend access immediately upon non-payment and terminate after a reasonable grace period).
  • We have a good faith belief that your conduct creates a risk of legal liability for us, other users, or third parties (including suspected fraud, abuse, identity theft, harassment, scraping, trial abuse, or violation of law).
  • We are required to do so by law, court order, or other legal process.
  • We discontinue the Service or a feature of the Service.

We will use commercially reasonable efforts to provide notice of suspension or termination by email, except where notice is impracticable, would defeat the purpose of the action, or where prohibited by law. In the case of immediate harm, fraud, or legal risk, we may suspend or terminate first and notify after.

18.4 Effect of Termination

Upon termination, your right to access and use the Service ends. We have no obligation to maintain or provide any of Your Content after termination, except as required by applicable law. Provisions of these Terms that by their nature should survive termination (including ownership, disclaimers, indemnity, limitations of liability, and dispute resolution) will survive.

19. Disclaimer of Investment Information

All investment information made available through the Service is for informational purposes only. We do not provide financial, investment, tax, legal, or other professional advice. You should not construe any such information as legal, tax, investment, financial, or other advice.

  • No professional advice. Content on the Service is not a substitute for professional advice. We recommend that you consult a qualified financial, tax, or legal advisor regarding your specific situation.
  • No liability for investment decisions. The Invest Nest, its directors, employees, partners, agents, suppliers, and affiliates are not responsible for any investment decisions, damages, or losses resulting from your use of information provided on the Service. All investments involve risk, and you are solely responsible for your own due diligence.
  • No guarantees. We do not guarantee the accuracy, completeness, or timeliness of any information on the Service. Information is subject to change without notice.

20. Disclaimer of Warranties

THE SERVICE AND ALL CONTENT, INCLUDING PROPERTY DATA AND SKIP-TRACE DATA, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, THE INVEST NEST DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND THOSE ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, THAT ANY DATA (INCLUDING SKIP-TRACE DATA AND DNC FLAGS) WILL BE ACCURATE OR CURRENT, OR THAT ANY DEFECTS WILL BE CORRECTED. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

21. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE INVEST NEST OR ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, LICENSORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO:

(a) Your use of or inability to use the Service;
(b) Any unauthorized access to or use of our servers or any personal information stored therein;
(c) Any interruption or cessation of transmission to or from the Service;
(d) Any bugs, viruses, malware, or similar items transmitted through the Service;
(e) Any errors, omissions, or inaccuracies in any content, including Property Data, Skip-Trace Data, DNC flags, and other data signals;
(f) The conduct of any third party, including other users; or
(g) Your reliance on any content obtained through the Service, or any outreach you conduct using it.

OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (i) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (ii) ONE HUNDRED U.S. DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THESE LIMITATIONS MAY NOT APPLY TO YOU. IN THOSE JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

22. Indemnification

You agree to defend, indemnify, and hold harmless The Invest Nest, its affiliates, and their respective officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your use or misuse of the Service; (b) your violation of these Terms; (c) your violation of any law or third-party right (including the FCRA, TCPA, TSR, FDCPA, and state telemarketing, DNC, or privacy laws); (d) Your Content; (e) your use of Property Data or Skip-Trace Data; or (f) your outreach to any individual using information obtained through the Service.

23. Dispute Resolution; Informal Resolution Required First

Before initiating any formal legal proceeding (including arbitration), you and The Invest Nest agree to first attempt to resolve the dispute informally. To begin informal resolution, you must send a written notice to info@theinvestnest.com (with "Notice of Dispute" in the subject line) describing the dispute, the relief sought, and your contact information. We agree to do the same if we have a dispute with you, by sending notice to the email address on your account.

You and The Invest Nest agree to negotiate in good faith for at least sixty (60) days after the notice is sent. If the dispute is not resolved within that period, either party may proceed to arbitration as described in Section 24.

24. Mandatory Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND THE INVEST NEST TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT, AND IT WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION.

24.1 Agreement to Arbitrate

You and The Invest Nest agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or any aspect of the relationship between you and The Invest Nest, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, will be resolved through binding individual arbitration rather than in court, except as provided below.

24.2 Arbitration Procedure

The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, available at www.adr.org. The arbitration will be conducted by a single arbitrator. The arbitration may be conducted by telephone, video conference, or based solely on written submissions, at your election. If an in-person hearing is required, it will take place in the federal judicial district where you reside, unless the parties agree otherwise.

The arbitrator will have authority to grant any remedy that would be available in court, subject to the limitations in these Terms. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

24.3 Class Action Waiver

YOU AND THE INVEST NEST AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If a court or arbitrator decides that this class action waiver is unenforceable as to any particular claim or request for relief, then that claim or request must be severed from the arbitration and brought in court, and all other claims must be arbitrated.

24.4 Exceptions to Arbitration

Either party may bring an individual claim in small-claims court if it qualifies. Either party may also seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights or to address violations of the Acceptable Use, Data Use Restrictions, FCRA, or Skip-Trace Data sections of these Terms.

24.5 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to info@theinvestnest.com (with "Arbitration Opt-Out" in the subject line) within thirty (30) days after first accepting these Terms. Your notice must include your name, account email, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.

24.6 Governing Arbitration Law

This arbitration agreement is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.

25. Governing Law and Venue

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Subject to the arbitration provision in Section 24, any judicial action permitted under these Terms must be brought exclusively in the state or federal courts located in New Castle County, Delaware, and you and The Invest Nest consent to the personal jurisdiction of those courts.

26. Sanctions and Export Compliance

You represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to U.S. economic sanctions or embargoes, and that you are not on any U.S. government list of prohibited or restricted parties (including the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Denied Persons List). You agree to comply with all applicable U.S. export control and sanctions laws in connection with your use of the Service.

27. Force Majeure

We will not be liable for any failure or delay in performance under these Terms caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, internet or telecommunications failures, denial-of-service attacks, supplier failures, pandemics, or other similar events.

28. Assignment

You may not assign or transfer these Terms or your account, by operation of law or otherwise, without our prior written consent. Any attempted assignment in violation of this section is void. We may assign these Terms or any of our rights or obligations under them, in whole or in part, without restriction, including in connection with a merger, acquisition, sale of assets, or by operation of law.

29. Waiver

Our failure to enforce any right or provision of these Terms will not be a waiver of that right or provision. No waiver will be effective unless in writing and signed by an authorized representative of The Invest Nest.

30. Severability

If any provision of these Terms is held to be unlawful, void, or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will continue in full force and effect.

31. Entire Agreement

These Terms, together with the Privacy Policy and any other terms or policies referenced in or incorporated into these Terms (including affiliate program terms and promotional offer terms, where applicable), constitute the entire agreement between you and The Invest Nest concerning the Service and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

32. Survival of Terms

All provisions of these Terms that by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, indemnity, limitations of liability, dispute resolution, governing law, and these miscellaneous provisions.

33. Changes to These Terms; Versioning and Acceptance

Each version of these Terms carries a version number and an effective date, shown at the top of this page. When you accept these Terms (for example, by checking the acceptance box at sign-up or when we ask you to review an update), we keep a record of the version you accepted and when you accepted it.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least thirty (30) days' notice before the new terms take effect, by email to your registered email address or by notice within the Service, and we may ask you to review and accept the updated Terms the next time you sign in. What constitutes a material change will be determined at our sole discretion. Your continued use of the Service after the new Terms take effect constitutes acceptance of the new Terms. If you do not agree to the new Terms, you must stop using the Service and may cancel your subscription.

This Version 3.0 replaces the version of these Terms dated April 17, 2026.

34. Consent

By accessing or using the Service, you acknowledge that you have read these Terms, understand them, and agree to be bound by them.

35. Contact Us

If you have questions about these Terms, please contact us:

The Invest Nest Holdings Inc.
PO Box 60
Buckeystown, MD 21717
Email: info@theinvestnest.com (please include "Terms of Service" in the subject line)