Afora Terms of Service

Effective date: July 10, 2026 · Last updated: July 10, 2026

These Terms of Service ("Terms") are an agreement between Afora LLC ("Afora," "we") and the brokerage or company that creates an Afora workspace ("Customer," "you"). By clicking "I agree," signing an order form that references these Terms, or using the Services, you accept them on behalf of the Customer and represent you have authority to do so.

The following are incorporated by reference: the Privacy Policy, the Data Processing Addendum ("DPA", available on request — legal@aforademo.com), the Acceptable Use Policy below, and the Subprocessor list.

1. Definitions

• Services: Afora's hosted back-office platform — email triage and drafting, receipt and expense processing, bank-transaction feeds, approvals, and accounting exports — including related support.
• Authorized Users: individuals the Customer permits to use its workspace (employees, staff, and independent-contractor agents). Each Authorized User must accept these Terms (or the workspace acceptable-use notice) at first login. The Customer is responsible for its Authorized Users' compliance.
• Customer Data: all data submitted to or retrieved into the Services for the Customer — including email content, receipts, bank-transaction data, expense records, commission data, and content generated for the Customer by the Services.
• AI Features / Output: features that use artificial-intelligence models to generate drafts, summaries, extractions, or coding suggestions ("Output") from Customer Data ("Input").

2. Access and use

Subject to these Terms, Afora grants the Customer a non-exclusive, non-transferable right to access and use the Services for its internal business operations during the subscription term. The Customer will: (a) keep credentials confidential; (b) provision access only for Authorized Users; (c) use the Services in compliance with law and Section 12; and (d) be responsible for the accuracy of data and instructions it submits.

3. Fees and payment

Fees are as stated at signup or on an order form. Subscriptions renew automatically for successive terms unless cancelled before renewal. We may change pricing with at least 30 days' notice, effective at the next renewal. Fees are exclusive of taxes. Late amounts may accrue interest at the lesser of 1.5%/month or the legal maximum, and we may suspend access for accounts more than 15 days past due after notice.

4. Customer Data — ownership and license

The Customer owns all Customer Data, including Inputs and Outputs. Afora claims no ownership of it. The Customer grants Afora a limited, non-exclusive license to host, process, transmit, and display Customer Data solely to provide, maintain, and secure the Services, to comply with law, and as otherwise instructed by the Customer.

No AI training. Afora will not use Customer Data to train artificial-intelligence or machine-learning models, and will not permit its AI providers to do so, without the Customer's prior written consent. This restriction survives termination.

Afora may use aggregated, de-identified operational metrics (for example, feature usage counts, error rates) that do not contain Customer Data and cannot identify the Customer or any person, to operate and improve the Services.

5. AI Features

• Outputs are drafts, not decisions. Output may be inaccurate, incomplete, or generated similarly for other customers. Do not rely on factual assertions in Output without independent verification.
• Human review is required. The Customer must have a person review and approve Output before acting on it — including before sending any AI-drafted communication to a client or third party, and before posting any AI-coded entry to books, records, or accounting systems. The Services are built around this approval step, and the Customer agrees not to bypass it.
• AI-assistance disclosure. Where the Services mark content as AI-assisted, the Customer will not remove or obscure that identification in contexts where the recipient is an individual consumer.
• Not professional advice. Output is not legal, tax, accounting, brokerage, or investment advice. The Customer remains responsible for its professional obligations, including those of licensed brokers.
• No warranty or indemnity on Output. Afora provides no warranty and no indemnification with respect to Output; the Customer's remedies are limited to those in Sections 9–10.

6. Connected services

6.1 Bank connections (Plaid). The Services use Plaid Inc. to retrieve data from financial institutions. The Customer (and each Authorized User who links an account): (a) represents it has authority to connect each linked account; (b) grants Afora and Plaid the right to access and transmit account data as described in the Privacy Policy; (c) agrees to Plaid's End User Privacy Policy; and (d) may revoke access at any time. Bank data is provided as-is from institutions: Afora does not warrant the accuracy, completeness, or timeliness of bank-feed data, and the Customer's approval workflow (Section 5) applies to all entries derived from it. The Customer will not resell, redistribute, or provide raw bank-feed data to third parties.

6.2 Google and Microsoft. Use of Gmail and Microsoft 365 features is additionally subject to the Google API Services User Data Policy (including Limited Use) and Microsoft's API terms. Afora's commitments for this data are in the Privacy Policy §5. The Customer's Google Workspace or Microsoft 365 administrator may need to grant consent for these features; the Customer is responsible for having the right to connect the mailboxes it connects.

6.3 Accounting exports. Exports (for example, to Lone Wolf brokerWOLF) are generated from Customer-approved entries. The Customer is responsible for reviewing exports before importing them into downstream systems and for its own configuration of those systems.

7. Term, termination, and data export

Either party may terminate: (a) for convenience effective at the end of the current subscription term with notice before renewal; or (b) for material breach uncured 30 days after written notice. Afora may suspend access immediately for security risk, unlawful use, or non-payment (Section 3).

On termination: the Customer may export Customer Data for 30 days. In addition, Afora will retain the Customer's transaction, expense, and commission records in restricted archival storage and make them available for export for at least 4 years after the underlying transactions, at no charge for reasonable export requests, to support the record-keeping obligations of real-estate brokerages. All other Customer Data is deleted per the Privacy Policy §9. Sections 4 (ownership, no-training), 5, 7 (the post-termination export and archival commitments), 8–11, and 13–14 survive termination.

8. Confidentiality

Each party will protect the other's non-public information with at least reasonable care, use it only to perform under these Terms, and disclose it only to personnel and advisors under equivalent obligations, or as required by law with prompt notice where lawful. Customer Data is the Customer's confidential information. On request, each party will delete the other's confidential information except as retained under Section 7, the Privacy Policy, or automated backups that age out on schedule.

9. Warranties and disclaimers

Afora warrants that the Services will perform materially as described and that it will provide them with reasonable skill and care and industry-standard security practices. EXCEPT AS EXPRESSLY STATED, THE SERVICES ARE PROVIDED "AS IS"; AFORA DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICES OR OUTPUT WILL BE ACCURATE, COMPLETE, UNINTERRUPTED, OR ERROR-FREE.

10. Limitation of liability

NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS, REVENUE, OR DATA, EVEN IF ADVISED OF THE POSSIBILITY. EACH PARTY'S TOTAL AGGREGATE LIABILITY UNDER THESE TERMS IS LIMITED TO THE FEES PAID OR PAYABLE BY THE CUSTOMER IN THE 12 MONTHS PRECEDING THE FIRST EVENT GIVING RISE TO LIABILITY.

These limits do not apply to: (a) a party's indemnification obligations (Section 11); (b) breach of Section 8 (confidentiality) or Section 4's no-training commitment; (c) the Customer's payment obligations; or (d) a party's gross negligence, willful misconduct, or fraud.

11. Indemnification

• By Afora: Afora will defend the Customer against third-party claims that the Services, as provided and used as authorized, infringe a US patent, copyright, or trademark, or misappropriate a trade secret — and will pay resulting damages finally awarded or agreed in settlement. This does not cover claims arising from Customer Data, Output as used by the Customer, combinations with non-Afora systems, or use in violation of these Terms.
• By the Customer: the Customer will defend Afora against third-party claims arising from Customer Data, the Customer's or its Authorized Users' use of the Services in violation of law or these Terms, or the Customer's own client relationships and professional obligations — and will pay resulting damages finally awarded or agreed in settlement.
• The indemnified party must give prompt notice, sole control of the defense to the indemnifying party, and reasonable cooperation.

12. Acceptable use

The Customer and its Authorized Users will not: (a) use the Services to violate law, including fair-housing, consumer-protection, and anti-spam laws; (b) attempt to access another customer's data; (c) probe, disable, or circumvent security or approval controls; (d) use the Services to develop a competing product, or scrape/extract data or Output to train machine-learning models outside the Customer's own workspace use; (e) submit content designed to manipulate automated processing (prompt injection); or (f) resell the Services or raw connected-service data. We may suspend accounts for violations, with notice where practicable.

13. Dispute resolution

Any dispute not resolved informally within 30 days will be finally resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Denver, Colorado, before one arbitrator. Disputes are individual: class actions and consolidated proceedings are waived. Either party may instead bring qualifying claims in small-claims court, and either party may seek injunctive relief in court for IP or confidentiality breaches. A Customer may opt out of arbitration by emailing legal@aforademo.com within 30 days of first accepting these Terms.

14. General

• Governing law: Colorado, excluding its conflict-of-laws rules; exclusive venue for non-arbitrable matters is the state and federal courts of Denver, Colorado.
• Changes to these Terms: we may update these Terms with at least 30 days' notice (email or in-app) before material changes take effect; changes required by law may take effect sooner. Continued use after the effective date is acceptance. Material changes to data practices follow the Privacy Policy §12 consent rule.
• Assignment: neither party may assign these Terms without the other's consent, except to a successor in a merger, acquisition, or sale of substantially all assets, with notice.
• Notices to Afora: legal@aforademo.com. To the Customer: workspace admin email.
• Entire agreement; order of precedence: order form (if any) → DPA → these Terms → policies incorporated by reference. If a term is unenforceable, the rest stand. No waiver is implied by inaction. Force majeure applies to events beyond reasonable control.