Terms of Service

Patchly is a neighborhood intelligence platform that aggregates publicly available data — including geographic information (via OpenStreetMap), government flood risk data (via FEMA), census and regional market context, and AI-estimated market intelligence — and classifies neighborhoods according to observable market cycle indicators. Reports are delivered digitally via the Service.

To use the Service you must be at least 18 years of age and capable of entering into a legally binding agreement. By creating an account, you represent and warrant that:

• —You are at least 18 years of age.
• —All registration information you provide is accurate, current, and complete.
• —You will maintain the accuracy of such information.
• —You are responsible for maintaining the confidentiality of your account credentials.
• —You accept responsibility for all activity that occurs under your account.

Patchly reserves the right to suspend or terminate any account that violates these Terms or is used for fraudulent, abusive, or unlawful purposes.

Access to certain features of the Service requires purchased report credits. By purchasing credits, you authorize Patchly, Inc. (via its payment processor, Stripe, Inc.) to charge your payment method for the one-time amount shown at checkout.

• —Patchly currently sells report credits as one-time purchases, not recurring subscriptions.
• —Credits are added to your account after successful payment confirmation.
• —Unused credits do not generate prorated refunds except as described in the Refund Policy (Section 4).
• —Patchly reserves the right to change credit pricing at any time before purchase.
• —All charges are non-refundable except as expressly set out in Section 4.

Patchly offers a limited report quality assurance policy:

• —If an individual report is clearly off-base for the address or fails to deliver a coherent intelligence read, you may request a review of that report for refund or credit restoration.
• —Review requests must be submitted within 7 days of the date the report was generated.
• —Review requests must be submitted to support@patchly.com with your account email, the report address or slug, and a brief description of the issue.
• —This policy applies per report, regardless of which credit pack was used to generate it.
• —Patchly may satisfy an approved request by refunding the report credit used, restoring a credit to your account, or issuing the equivalent refund for that specific report.
• —Refunds or credit restorations are not available for requests unrelated to report quality or address accuracy.
• —Patchly reserves the right to decline refund requests that do not meet the conditions above or that appear to be made in bad faith.

Subject to these Terms, Patchly grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business purposes. You may not:

• —Resell, sublicense, or redistribute reports or data from the Service to third parties as a standalone product.
• —Use the Service to build a competing product or service.
• —Scrape, crawl, or programmatically extract data from the Service beyond normal use.
• —Misrepresent Patchly reports as proprietary research you have independently produced.
• —Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
• —Attempt to gain unauthorized access to any part of the Service or its underlying systems.
• —Use the Service to harass, defame, or harm any individual or organization.

Sharing a Patchly report link with a client for informational purposes is explicitly permitted and encouraged for unlocked reports.

Patchly aggregates data from the following sources to generate neighborhood intelligence reports:

Verified public data sources

• —OpenStreetMap / Nominatim — address resolution and neighborhood boundary identification using open geographic data.
• —US Census Bureau ACS — American Community Survey 5-year estimates for demographic context.
• —FEMA National Flood Hazard Layer (NFHL) — official flood zone classification data.

AI-estimated data

• —Market statistics (median price, days on market, price/sqft, months of inventory, list-to-sale ratio) are AI-estimated from comparable regional patterns — not sourced from live MLS feeds.
• —Neighborhood demographic estimates, crime assessments, building activity levels, and investment classifications are AI-generated and should be independently verified.

Market classifications (e.g., “Early Opportunity,” “Momentum Market,” “Established Market”) reflect AI-generated analysis of observable patterns at the time of report generation. They are not predictions, appraisals, or guarantees of any outcome. Classifications may change as underlying data changes.

THE SERVICE AND ALL CONTENT, DATA, REPORTS, AND CLASSIFICATIONS PROVIDED THROUGH THE SERVICE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

PATCHLY DOES NOT WARRANT THAT (A) THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (B) ANY DATA OR CLASSIFICATION WILL BE ACCURATE, COMPLETE, OR CURRENT; OR (C) ANY DEFECTS IN THE SERVICE WILL BE CORRECTED. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PATCHLY, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES — ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PATCHLY’S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO PATCHLY IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES. THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU TO THE EXTENT PROHIBITED BY APPLICABLE LAW.

You agree to defend, indemnify, and hold harmless Patchly, Inc.and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys’ fees) arising out of or relating to (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any third-party right, or (d) any content you submit to or through the Service.

The Service, including its design, text, graphics, user interface, and underlying technology, is owned by or licensed to Patchly, Inc. and is protected by U.S. and international intellectual property laws. You are granted no ownership interest in the Service or any content therein.

Reports generated through the Service may be shared with third parties for informational purposes, provided that Patchly is credited as the source. You may not remove, obscure, or alter any proprietary notices in any reports or materials from the Service.

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the Service that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, with arbitration conducted in English in the State of Delaware. Each party shall bear its own costs unless the arbitrator determines otherwise. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

Notwithstanding the foregoing, either party may seek emergency injunctive or equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration.

Patchly reserves the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We will provide at least 30 days’ notice via email or in-Service notification before making material changes to these Terms. Your continued use of the Service after the effective date of any modification constitutes acceptance of the updated Terms.

Patchly may suspend or terminate your access to the Service at any time for any reason, including but not limited to your violation of these Terms, without liability to you. Upon termination, your right to use the Service ceases immediately. Sections 6, 7, 8, 9, 10, 11, and 14 of these Terms survive termination.

• —Entire agreement: these Terms, together with our Privacy Policy, constitute the entire agreement between you and Patchly with respect to the Service and supersede all prior or contemporaneous agreements.
• —Severability: if any provision of these Terms is held invalid or unenforceable, that provision will be limited to the minimum extent necessary, and the remaining provisions will continue in full force.
• —No waiver: Patchly's failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.
• —Assignment: you may not assign your rights under these Terms without our prior written consent. Patchly may assign its rights freely.
• —Force majeure: Patchly will not be liable for any failure or delay resulting from causes beyond our reasonable control, including natural disasters, government actions, or telecommunications failures.

If you have questions about these Terms, please contact: