Terms of Service

1. What this report is — and is not

A Municipal Risk Report is our cited read of public records as of the stated as-of dates. It is an informational opinion assembled from the public sources we were able to reach at the time of generation, with each finding citing its source and as-of date.

This report is not legal advice and is not a title search, title insurance, a lien search, an appraisal, or a survey. It does not replace counsel, a licensed title company, or your own due diligence. Verify any finding with the municipality or a qualified professional before relying on it (verify locally).

The report flags code-enforcement exposure and points you to the public detail to verify with the municipality. It asserts no dollar amount, no payoff figure, and no quantified-lien claim. A flagged signal means a public record exists to review — not that any stated amount is owed. Where a payoff may apply, the report says so and directs you to confirm the figure directly with the municipality.

2. Recorded notices are attributed by owner name

Some findings reference a recorded County-Recorder code-enforcement notice, identified by its recording number and grantor (City of Phoenix). Such a notice is attributed to a property by matching the owner of record’s name — not by an APN or a title search. This is a name match against the recorded document; it is not a characterization of the owner and makes no judgment about any person. Because attribution is by name, you must verify the recorded document locally with the County Recorder to confirm it applies to the property and the parties you intend (verify locally).

3. Unavailable sources are never “clear”

Findings reflect what each public source reported as of its stated as-of date. When a source could not be reached, it is reported as unavailable / not checked— never as “clear.” The absence of a finding from an unavailable source does not mean the absence of a risk. A report containing an unavailable source is incomplete by design and must not be treated as a clean result.

4. No warranty

Public records can be incomplete, delayed, or in error, and our coverage is limited to the sources and jurisdictions stated in the report. The report is provided “as is,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or completeness.

5. Limitation of liability

To the maximum extent permitted by law, our total aggregate liability to you arising out of or relating to a report or these terms — whether in contract, tort, or otherwise — is limited to the amount you paid us for that report. We are not liable for any indirect, incidental, consequential, special, or punitive damages, or for any lost profits, lost transactions, or property-purchase decisions, even if advised of the possibility of such damages. This liability cap is a fundamental basis of the bargain between us.

6. Your responsibility

You are responsible for how you use the report. Because it is an opinion-framed read of public records and not legal advice or a title search, you agree to independently verify any finding that is material to a decision before relying on it.