Terms of Service

1. The service

Penlo is a self-service software platform that uses artificial intelligence to generate first-draft real estate contracts and related documents for California real estate transactions. Penlo is a tool — not a law firm.

Penlo does not provide legal advice, legal services, or legal representation. Use of Penlo does not create an attorney-client relationship. For more detail, see our Disclaimer.

2. Eligibility

You must be at least 18 years old to use Penlo. The service is intended for California real estate professionals — investors, wholesalers, agents, brokers, and others involved in California real estate transactions. By using Penlo, you represent that you meet these requirements.

3. Your account

You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account. You agree to provide accurate, current, and complete information at signup and to update it as needed. Notify us immediately of any unauthorized use of your account.

4. Subscriptions and billing

Penlo offers free and paid tiers. Paid subscriptions are billed monthly through Stripe. By subscribing, you authorize recurring charges to your payment method until you cancel.

You may cancel at any time. Cancellation takes effect at the end of the current billing period; you will retain access to paid features through that date. We do not provide refunds for partial billing periods unless required by law.

5. Acceptable use

You agree not to:

• Use Penlo for any unlawful purpose or in violation of these Terms.
• Misrepresent your identity, eligibility, or authorization to enter into transactions.
• Reverse engineer, scrape, or attempt to extract source code or proprietary data.
• Resell, white-label, or redistribute Penlo or its outputs without our written permission.
• Interfere with, disrupt, or attempt to gain unauthorized access to the service.
• Use the service to harass, defraud, or harm others.

6. AI-generated drafts

Documents generated by Penlo are AI-assisted first drafts. They are not legal advice and may contain errors, omissions, or language that is inappropriate for your particular transaction. Drafts must be reviewed by a licensed California real estate attorney before signing or relying on them.

You are responsible for the accuracy of information you provide to Penlo and for verifying the suitability of any generated draft for your specific use.

7. Not a law firm

Penlo is software, not a law firm or a lawyer referral service. We do not provide legal advice. This is consistent with California Business and Professions Code §§ 6125 and 6126, which restrict the practice of law in California to licensed attorneys. If you need legal advice, consult a licensed California real estate attorney.

8. Your content

You retain all rights to the information and documents you submit to Penlo. By using the service, you grant us a limited, worldwide, non-exclusive license to process that information solely for the purpose of providing the service to you, including transmitting it to AI service providers (such as Anthropic) for draft generation.

9. Intellectual property

The Penlo platform — including its software, design, branding, prompts, and content (other than your content) — is owned by Penlo and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works of these materials without our written permission.

10. Termination

We may suspend or terminate your access if you violate these Terms or for any other reason at our discretion. You may close your account at any time. Provisions that by their nature should survive termination — including disclaimers, limitations of liability, indemnification, and governing law — will survive.

11. Disclaimer of warranties

Penlo is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that the drafts produced will be legally enforceable in any specific transaction.

12. Limitation of liability

To the maximum extent permitted by law, Penlo and its officers, directors, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the service. Our total aggregate liability for any claim shall not exceed the greater of (a) the amount you paid to Penlo in the twelve months preceding the claim, or (b) one hundred U.S. dollars (USD $100).

13. Indemnification

You agree to defend, indemnify, and hold harmless Penlo and its affiliates from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys' fees) arising from your use of the service, your content, or your violation of these Terms.

14. Governing law and venue

These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles. Any disputes arising from these Terms or your use of Penlo shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to personal jurisdiction in those courts.

15. Changes to these terms

We may update these Terms from time to time. Material changes will be communicated by email or through the service. Continued use of Penlo after the changes take effect constitutes acceptance of the revised Terms.

16. Contact

For questions about these Terms, contact hello@penlo.app.