Terms of Service

1. Acceptance of Terms

By accessing or using the Loftfolio platform (“the Service”), operated by Creative Current LLC (“Company,” “we,” “us”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

2. Description of Service

Loftfolio provides a multi-tenant platform for real estate agencies to create branded websites, manage property listings, process rental applications, and coordinate team workflows. The Service includes a public-facing agency website hosted on a subdomain, a dashboard for managing operations, and related features as described on our website.

3. Account Registration

To use the Service, you must:

• Be at least 18 years of age
• Provide accurate, current, and complete registration information
• Maintain the security of your account credentials
• Promptly update any changes to your information
• Accept responsibility for all activity under your account

4. Account Types and Plans

We offer several paid plans with varying features and limits. The features, limits, and prices of each plan are set out on our pricing page. We reserve the right to modify plan features and pricing with 30 days' notice to affected users.

5. Subscriptions

Every plan is paid. There is no free plan and no trial period: you choose a plan when you create your agency, and the subscription begins when that payment is taken.

Payment details are entered on Stripe's hosted checkout rather than on our platform, and we never see or store your card number.

If a subscription ends, for cancellation or non-payment, your agency website stays online and your data stays yours — you can export it at any time. What lapses is the ability to create new listings and to use the plan's features until a subscription is active again.

6. Payment Terms

• Subscription fees are billed monthly or yearly in advance, depending on the term you choose
• Payment is processed securely through Stripe
• If you are not satisfied, you may ask for a refund by emailing hello@loftfolio.com within 30 days of your agency's first subscription payment. We will refund that first payment in full, whether it was for a month or a year, and your subscription ends. This applies once per agency
• Other fees are non-refundable except as expressly stated or as required by law
• We may change fees with 30 days' notice
• Failure to pay suspends the plan's features; your website and your data are not deleted

7. User Responsibilities

You are solely responsible for:

• All content published on your agency website including listings, descriptions, and images
• Compliance with applicable laws in your jurisdiction regarding rental listings, tenant screening, and data protection
• Obtaining necessary consents from tenants and applicants whose data you collect
• Accurate representation of properties and their availability
• Proper handling of applicant data in accordance with applicable privacy laws

8. Prohibited Conduct

You may not:

• Use the Service for any illegal purpose or in violation of any laws
• Upload or transmit viruses, malware, or any malicious code
• Attempt to access another user's account without authorization
• Use the Service to send unsolicited communications (spam)
• Reverse engineer, decompile, or disassemble the platform
• Engage in discriminatory housing practices prohibited by the Fair Housing Act or equivalent laws in your jurisdiction

9. Intellectual Property

The Loftfolio platform, including its code, design, logos, and branding, is owned by Creative Current LLC. You retain ownership of the content you publish on your agency website (listings, images, descriptions). You grant us a license to host and display this content as part of providing the Service.

10. Data Privacy

Your use of the Service is also governed by our Privacy Policy and GDPR Compliance page. By using the Service, you consent to the collection and use of your data as described in those policies.

11. Third-Party Services

The Service integrates with third-party services (Supabase, Cloudflare, Stripe, Resend, and DeepSeek for the optional AI drafting tools). We are not responsible for the acts or omissions of these third parties. Their use is governed by their respective terms of service.

12. Limitation of Liability

To the maximum extent permitted by law, Loftfolio and Creative Current LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, loss of data, or business interruption, arising from your use of the Service. Our total liability for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.

13. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that the Service will be uninterrupted, secure, or error-free.

14. Cancellation and Termination

You may cancel your subscription at any time from your billing settings. Upon cancellation:

• Your paid plan stays active until the end of the current billing period
• After that period ends, the plan's features stop and no new listings can be created
• Your agency website stays online and your data is retained
• Nothing is deleted automatically — permanent deletion happens only when you ask us for it

We reserve the right to terminate or suspend accounts that violate these terms. We will provide notice where possible.

To have your account and data permanently deleted, see our Data Deletion page.

15. Changes to Terms

We may modify these terms at any time. Material changes will be communicated via email to account holders. Continued use of the Service after changes constitutes acceptance of the updated terms.

16. Governing Law

These terms are governed by the laws of the State of New Mexico, United States, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of New Mexico, United States.

17. Contact

For questions about these terms, contact us at: