Terms & Conditions and End User License Agreement (EULA)

These Terms & Conditions, which also constitute our End User License Agreement (“Terms”), govern your access to and use of the Reverse Plus website, products, and services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you may not access or use our Services.

REVERSE plus LLC (“Reverse Plus,” “we,” “us,” or “our”) provides its Services subject to these Terms. Your use of the Services signifies your acceptance without modification of these Terms. We may revise these Terms at any time by posting the updated version to our website. Continued use of the Services after changes are posted constitutes acceptance of those changes.

REVERSE plus provides subscription-based software tools and resources focused on reverse mortgage calculations, analysis, and education. The Services may allow users to:

• Create accounts and manage contact information (such as prospective clients or borrowers).
• Enter and store basic contact and financial details (e.g., name, phone, email, state, loan amounts, payment amounts).
• Run calculations, access tools, and generate reports.

The Services do not require or store sensitive identifiers such as Social Security Numbers, bank account numbers, or financial institution account numbers.

To use the Services, you must register for an account. You agree to:

• Provide accurate, complete, and up-to-date registration information.
• Keep your login credentials confidential.
• Be solely responsible for all activity occurring under your account.

You may not share, sell, transfer, or otherwise permit any other person or entity to use your account. Any such activity is a material breach of these Terms. We reserve the right to suspend or terminate your account immediately and seek damages, including but not limited to liquidated damages of $5,000 per violation, plus costs and attorney’s fees.

• Contact information you save within the Services (such as prospective clients or borrowers) is confidential to you and is accessible only through your login credentials.
• Even account administrators cannot view your saved contacts. However, administrators may manage accounts within their organization, including removing or deleting user accounts. If your account is deleted, you may lose access to your saved contacts, and that data may be deleted.
• REVERSE plus does not delete saved contact data except as required by law, but administrators retain the ability to do so.
• If a license is cancelled, REVERSE plus reserves the right to delete contact data associated with the cancelled license.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your internal business purposes during your active subscription period.

You may not:

• Copy, distribute, resell, sublicense, or otherwise make the Services available to third parties.
• Reverse engineer, decompile, or attempt to derive source code from the Services.
• Use the Services in violation of applicable laws.

All rights not expressly granted are reserved by REVERSE plus.

• A seat is required for each individual user.
• Your monthly billing cycle is established when your first Analyzer Pro seat is purchased through your REVERSE plus customer account.
• You may add seats at any time during the billing cycle. Added seats are prorated to the next billing cycle and paid for at the time they are added.
• You may cancel seats at any time during a billing cycle. No proration credit or refund shall be given for canceled seats. Canceled seats shall be removed from the seat count for the following monthly billing cycle.
• Seat subscription fees are paid monthly in advance at each billing cycle through our integration with Stripe, Inc.
• Failure to pay fees when due may result in suspension or termination of your account.

We may suspend or terminate your account at our discretion, with or without cause, including for violation of these Terms or non-payment. Upon termination, your right to use the Services immediately ceases, and all licenses granted under these Terms are revoked.  Upon termination, you may retain and use copies of all customer-oriented PDF reports exported from any Services prior to termination.

The Services, including all software, designs, and content, are owned by REVERSE plus and protected by intellectual property laws. Unauthorized use may result in legal action, including injunctive relief, damages, and recovery of costs and attorney’s fees.

You agree to defend, indemnify, and hold us, our affiliates, officers, directors, employees, and agents (collectively, the “Indemnified Party”) harmless from and against any third-party claims, demands, suits, liabilities, damages, and costs (including reasonable attorneys’ fees) arising out of or related to:

• your gross negligence or willful misconduct;
• any claim that content, trademarks, logos, or other materials provided, uploaded, or configured by you (including through any white-labeling features) infringe or misappropriate any intellectual property or proprietary right of a third party.

The Indemnified Party shall: (i) promptly notify you of the claim, (ii) allow you to control the defense and settlement of the claim (provided that any settlement does not admit liability or impose obligations on the Indemnified Party without its prior written consent), and (iii) provide reasonable cooperation at your expense. This section constitutes the parties’ exclusive remedy for any third-party intellectual property infringement claims.

The Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, or secure. REVERSE Plus agrees to use commercially reasonable technical and organizational measures designed to correct errors and prevent unauthorized access, use, alteration or disclosure of any Services or customer data.

To the fullest extent permitted by law, REVERSE plus and its affiliates shall not be liable for any direct or indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the Services.

These Terms are governed by and construed in accordance with the laws of the State of Oklahoma, without regard to its conflict of law provisions.

Our use of data is governed by our Privacy Policy, available at reverseplus.com/privacy-policy, which is hereby incorporated by reference into these Terms.

If you elect to enable SMS-based multi-factor authentication (“SMS MFA”) within the Services, you consent to receive automated one-time passcodes via text message for account security and login verification purposes.

SMS messages are strictly transactional and are sent only in connection with authentication events, such as login attempts or account verification. Message frequency varies based on your login activity. Message and data rates may apply according to your mobile carrier plan.

You may disable SMS MFA at any time within your account settings. Disabling SMS MFA will stop future authentication-related text messages but may limit your ability to access certain features of the Services.

REVERSE plus does not sell, rent, or share your mobile phone number with third parties for marketing purposes. Your mobile information is used solely to provide authentication services and is handled in accordance with our Privacy Policy.

By enabling SMS MFA, you confirm that you are the authorized user of the mobile number provided and that you consent to receive authentication-related text messages as described herein.

Questions about these Terms may be directed to:
Reverse Plus LLC
Email: Legal@REVERSEPlus.com

By using the Services, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions / End User License Agreement.