Terms of Service

Effective July 26, 2026

These Terms of Service ("Terms") are a binding agreement between you and Altyst, a sole proprietorship based in California, United States ("Altyst", "we", "us", or "our"), governing your access to and use of the Altyst websites, applications, and services (together, the "Service"). By creating an account, clicking to accept, or using the Service, you agree to these Terms. If you are agreeing on behalf of an organization, you represent that you are authorized to bind that organization, and "you" refers to that organization.

1. The Service

Altyst provides commercial-real-estate ("CRE") underwriting software: document ingestion, AI-assisted data extraction, a deterministic financial-modeling engine, scenario comparison, and export. The Service is a tool you operate; it is sold on a subscription basis and is available to the public. The Service is offered to customers in the United States.

2. Not professional advice

The Service and its outputs are for internal screening and analysis only and are not investment, legal, tax, accounting, appraisal, brokerage, lending, or other professional advice, and are not an offer, solicitation, or recommendation to buy, sell, or hold any asset or security. Every figure is an assumption or an estimate until you verify it against the underlying source. You are solely responsible for your decisions and for independent professional review. See the Warranty Disclaimer and the AI Use Disclosure, which are incorporated into these Terms by reference.

3. Accounts and eligibility

You must be at least 18 and able to form a binding contract. Keep your credentials secure; you are responsible for all activity under your account. Workspace owners and administrators manage members, roles, and access within their organization. Notify us promptly at support@altyst.ai of any unauthorized use.

4. Subscriptions, billing, and taxes

Paid plans (currently Individual, Professional, and Team) are billed in advance on a recurring monthly basis at the prices shown at checkout. Stripe is our merchant of record and processes all payments and applicable taxes; Altyst never receives or stores your full card number. Your subscription renews automatically until canceled. Fees are stated exclusive of taxes, which are added where required. See the Refund & Cancellation Policy, the Fulfillment Policy, and the Merchant of Record Notice, each incorporated by reference.

5. Usage limits and fair use

Each plan includes defined usage (for example, a monthly AI/analysis budget and rate limits). We may meter, throttle, or require an upgrade when you exceed your plan's included usage, and we may apply reasonable technical limits to protect the Service and other customers. Attempting to circumvent metering, rate limits, or plan entitlements is a breach of these Terms.

6. Your content and license

As between you and Altyst, you retain all right, title, and interest in the documents, deals, assumptions, notes, and other materials you provide ("Your Content"). You grant Altyst a limited, non-exclusive, worldwide license to host, process, transmit, and display Your Content solely to provide, secure, and support the Service for you and your organization and to produce the derived outputs you request (extracted figures, computed results, exports). We claim no ownership of Your Content. As between the parties, you own the outputs the Service generates from Your Content for you (extracted figures, computed results, models, and exports), subject to our rights in the Service itself and in any underlying templates, formulas, and software. We do not sell Your Content and do not use it to train third-party or foundation AI models. You are solely responsible for Your Content, including the legal right to submit it and to have it processed; you represent that it does not infringe or violate any third-party right or any law, and that any personal or confidential information within it was collected and may be processed lawfully.

7. Acceptable use

You will comply with the Acceptable Use Policy, incorporated by reference. Among other things, you will not: (a) upload content you lack the right to process; (b) attempt to breach tenant isolation, access another organization's data, or scan, probe, or penetration-test the Service without our prior written authorization; (c) reverse engineer, resell, or provide the Service to third parties other than your own authorized members; (d) use the Service to build a competing product; (e) exceed the rate or volume limits we apply or otherwise degrade the Service; or (f) upload malware or unlawful content. We may suspend or terminate access for violations.

8. Intellectual property

The Service, including its software, models, interfaces, and content (excluding Your Content), is owned by Altyst and its licensors and protected by law. We grant you a limited, revocable, non-exclusive, non-transferable right to use the Service per these Terms. Feedback you provide may be used by us without restriction or obligation.

9. Third-party services

The Service relies on third-party subprocessors (for example, hosting, storage, payments, and AI processing) listed in the Subprocessors page. Your use may also be subject to those providers' terms. We are not responsible for third-party services outside our control.

10. Availability

We work to keep the Service available but provide it "as is" and "as available." We do not commit to a specific uptime unless a separate written service-level agreement applies. We may modify, suspend, or discontinue features with reasonable notice for material changes.

11. Warranty disclaimer

THE SERVICE AND ALL OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT OUTPUTS ARE ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR ANY DECISION. The deterministic engine computes figures from the inputs and assumptions you provide and confirm; you remain responsible for verifying every figure. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Altyst AND ITS SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST BUSINESS, OR INVESTMENT OR TRANSACTION LOSSES, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY. Altyst'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (a) THE FEES YOU PAID TO Altyst FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (b) US$100. THESE LIMITS ARE AN ESSENTIAL BASIS OF THE BARGAIN AND APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

13. Indemnification

You will defend, indemnify, and hold harmless Altyst, its owner, employees, contractors, and agents from any third-party claim, loss, liability, or expense (including reasonable legal fees) arising out of Your Content, your use of the Service, your violation of these Terms or applicable law, or a decision you made using the outputs.

14. Term, suspension, and termination

These Terms apply while you use the Service. You may stop and cancel at any time (see the Refund & Cancellation Policy). We may suspend or terminate access for breach, legal risk, non-payment, or to protect the Service or others. On termination, your right to use the Service ends; provisions that by their nature should survive (for example, Sections 2, 6, 11–13, 15) survive. Your data is handled per the Data Retention Policy and Privacy Policy.

15. Dispute resolution; binding arbitration; class-action waiver

*Please read this section carefully — it affects how disputes are resolved.*

• Informal resolution first. Before starting arbitration, the parties will try in

good faith to resolve any dispute within 30 days of written notice.

• Binding arbitration. Except for the carve-outs below, any dispute arising out of

or relating to these Terms or the Service that is not resolved informally will be finally settled by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, before a single arbitrator, in the English language. Judgment on the award may be entered in any court of competent jurisdiction.

• Class-action waiver. Disputes will be arbitrated only on an individual basis;

the parties waive any right to bring or participate in a class, collective, consolidated, or representative action.

• Carve-outs. Either party may (a) bring an individual claim in small-claims court

if it qualifies, and (b) seek injunctive or equitable relief in court to protect intellectual property, confidential information, or tenant-isolation/security.

• Opt-out. You may opt out of arbitration by emailing support@altyst.ai within 30 days

of first accepting these Terms; opting out does not affect the other provisions.

16. Governing law and venue

These Terms are governed by the laws of the State of California, United States, without regard to conflict-of-laws rules. To the extent a dispute is not subject to arbitration, the parties consent to the exclusive jurisdiction of the state and federal courts located in California.

17. Changes to these Terms

We may update these Terms. Material changes will be notified in the product or by email, and the "Effective" date and version will be updated. Continued use after the effective date constitutes acceptance; if you do not agree, stop using the Service and cancel.

18. Miscellaneous

If any provision is unenforceable, the rest remains in effect. These Terms, together with the policies incorporated by reference, are the entire agreement on their subject matter and supersede prior drafts and understandings. You may not assign these Terms without our consent; Altyst may assign them in connection with a merger, acquisition, or sale of assets. Neither party is liable for delays caused by events beyond its reasonable control. Notices to Altyst may be sent to support@altyst.ai.

*Altyst — commercial real-estate underwriting software. Effective July 26, 2026. Version 1.3. Questions about this document: support@altyst.ai.*