Terms of Service

1. Definitions

• ‘StellarClose,’ ‘we,’ ‘us,’ or ‘our’ means StellarClose LLC, a Michigan limited liability company.
• ‘You’ or ‘Customer’ means the individual or business entity that has registered for or is using any of our Services.
• ‘Services’ means all products operated by StellarClose LLC as described in Section 2.
• ‘Content’ means any data, files, text, or materials you submit, upload, or input into our Services.
• ‘Transaction’ means a real estate transaction you submit to StellarClose Transaction Coordination for coordination.

2. Our Services

StellarClose LLC operates the following products. These Terms apply to all of them.

StellarClose Money — Bookkeeping (money.stellarclose.com)

An autonomous bookkeeping platform for service businesses. Auto-categorizes bank transactions, matches deposits to invoices, and produces full Profit & Loss, Balance Sheet, General Journal, and a year-end tax package. Includes optional read-only access for an accountant the customer invites.

StellarClose Transaction Coordination (stellarclosetc.com)

An AI-powered platform that automates real estate transaction coordination, including deadline tracking, document management, party communication, and workflow automation. The Service is AI — not a human transaction coordinator. All parties who interact with the system are informed it is AI-powered before engaging. This is non-negotiable.

StellaRose — AI Voice and Chat Assistant

The AI assistant character that operates on StellarClose’s phone and chat surfaces. StellaRose identifies as an AI on every channel and never claims to be human.

StellarClose.com — Business Hub

The main StellarClose company website and customer-facing portal.

3. Eligibility and Accounts

• You must be at least 18 years of age to use our Services.
• You must provide accurate, complete information when creating an account. You are responsible for keeping your account information current.
• You are responsible for all activity that occurs under your account.
• You must notify us immediately at privacy@stellarclose.com if you believe your account has been compromised.
• Business accounts: if you are using our Services on behalf of a business, you represent that you have authority to bind that business to these Terms.

4. Pricing and Payment

StellarClose Transaction Coordination

Pricing is per-transaction:

Tier	Price
Standard transaction	$350 per transaction
First transaction	Free — no payment required, no conditions

StellarClose Money — Bookkeeping

Subscription pricing for StellarClose Money is published on the product page at money.stellarclose.com. Active subscriptions are billed monthly. You may cancel at any time; cancellation stops future billing and ends new bank-data fetches immediately while preserving your existing books.

Payment Terms

• All prices are in USD
• Subscription fees are billed monthly in advance
• Per-transaction and per-use fees are billed upon completion
• We use a third-party payment processor — we do not store full payment card numbers
• Invoices are sent by email. It is your responsibility to keep your billing email current.
• Accounts more than 14 days past due may be suspended pending payment

5. Acceptable Use

You agree not to use our Services to:

• Violate any applicable law, regulation, or third-party right
• Send unsolicited commercial email (spam) of any kind through any of the Services
• Upload contact lists you do not have the legal right to use or process
• Harass, threaten, or harm any person
• Attempt to gain unauthorized access to our systems or another user’s account
• Reverse engineer, decompile, or attempt to extract our source code
• Resell or sublicense our Services without written permission
• Misrepresent your identity or your relationship to any transaction or contact
• Upload lists containing contact data you harvested through unauthorized scraping
• Use automated systems to access our Services in ways that violate these Terms

Violations may result in immediate suspension or termination of your account. We will report illegal activity to appropriate authorities.

6. StellarClose Transaction Coordination — Specific Terms

Nature of the Service

StellarClose Transaction Coordination is an AI-powered software system, not a licensed real estate broker, attorney, or human transaction coordinator. The Service automates administrative coordination tasks. It does not provide legal, financial, or real estate brokerage advice.

You remain the licensed real estate professional of record for all transactions you submit. You are responsible for reviewing all AI-generated communications, confirming deadlines, and verifying that transaction documents meet all applicable legal requirements in your jurisdiction.

AI Transparency

All parties who interact with the Service are informed at the outset that they are communicating with an AI system. This is a non-negotiable operating principle. We will never configure the system to deceive any party into believing they are speaking with a human.

AI Outputs

AI outputs — including draft communications, deadline calculations, and document summaries — are produced automatically and may contain errors. You are responsible for reviewing all outputs before they are relied upon or acted upon. We are not liable for errors in AI-generated content that you chose to act upon without review.

Your Responsibilities

• Ensure your use of the Service complies with your state’s real estate licensing laws
• Review all AI-generated communications before transactions are finalized
• Maintain accurate and complete transaction information in the system
• Notify us promptly if a transaction is cancelled so billing is handled correctly

7. StellarClose Money — Bank-Account Connection via Plaid

How the Connection Works

StellarClose Money offers an optional bank-account connection through Plaid Inc. (‘Plaid’). You initiate the connection yourself via Plaid Link. StellarClose never sees your online banking password — Plaid handles that. By completing the Plaid Link flow, you separately accept Plaid’s End User Privacy Policy and End User Services Agreement, both available at plaid.com/legal/.

What We Receive

• Account metadata (institution name, account name, account type, last four digits, currency)
• Transaction history (date, amount, merchant, description, category, pending status), typically the last 24 months
• Account balance at the time of each sync, where the institution provides it
• The account holder’s name as it appears on the account, where Plaid surfaces that field

How We Use It

Bank data received via Plaid is used solely to operate StellarClose Money for you — auto-categorizing transactions, matching deposits to invoices, and producing your financial reports. We do not sell, share, license, or analyze your bank data for any other purpose. We do not train external AI models on your data.

Disconnection

You can disconnect any connected account at any time from your StellarClose Money settings page. Disconnection halts new data fetches immediately. Existing journal entries derived from your bank transactions remain in your books for accounting integrity. You can delete those entries individually or request full account deletion to remove them entirely.

8. Consent for Data Collection and Processing

By creating an account and using the Services, you affirmatively consent to the collection, processing, storage, and use of your information as described in our Privacy Policy.

What You Consent To

• The collection and processing of the information you provide to operate the Services you have signed up for, to bill you, to communicate with you about your account, and to meet legal obligations.
• The use of trusted subprocessors listed in the Privacy Policy (DigitalOcean, Backblaze B2, Plaid Inc., Anthropic, PayPal, SignalWire, Namecheap, Let’s Encrypt). These subprocessors process data only as needed to deliver the contracted service.
• The use of AI processing for the limited purposes described in the Privacy Policy (transaction categorization, voice transcription, document parsing). We do not train external AI models on your data.

Withdrawing Consent

You may withdraw consent at any time by closing your account, disconnecting third-party integrations (such as a bank connection via Plaid), or contacting privacy@stellarclose.com. Withdrawal of consent will end the Services that depend on the affected data.

Logging

Acceptance of these Terms and our Privacy Policy is recorded with timestamp and the version accepted. You can request a copy of your consent record at any time.

9. Intellectual Property

Our IP

StellarClose LLC owns all right, title, and interest in our software, systems, models, algorithms, infrastructure, brand, and documentation. Nothing in these Terms grants you any ownership in our intellectual property. You receive a limited, non-exclusive, non-transferable license to use the Services as described in these Terms.

Your Content

You retain all ownership of Content you submit to our Services — your transaction data, your uploaded lists, your campaign content, your account information. By using our Services, you grant us a limited license to process your Content solely to provide the Services you have requested.

AI-Generated Outputs

Outputs generated by our AI systems (draft communications, verification results, video content, etc.) are produced for your use. You are free to use them for your business purposes. We retain ownership of the underlying models and systems that produced them.

10. Confidentiality

Each party agrees to keep the other’s confidential information confidential and to use it only for the purposes of the business relationship. ‘Confidential information’ means non-public information that is designated as confidential or that a reasonable person would understand to be confidential given the context of disclosure.

This obligation does not apply to information that is publicly known, independently developed, rightfully received from a third party without restriction, or required to be disclosed by law (provided the disclosing party gives prompt notice before disclosure where legally permitted).

11. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ‘AS IS’ AND ‘AS AVAILABLE’ WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, STELLARCLOSE LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The Services will be uninterrupted or error-free
• AI-generated outputs will be accurate, complete, or suitable for any particular purpose
• Email verification results will guarantee a specific deliverability rate
• The Services will meet all of your specific requirements

StellaRose is an AI system. AI systems make mistakes. You are responsible for reviewing all outputs before acting on them. Do not use AI-generated transaction communications without human review.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STELLARCLOSE LLC’S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE THREE MONTHS PRECEDING THE CLAIM, OR (B) $500.

IN NO EVENT SHALL STELLARCLOSE LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR REPUTATIONAL HARM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow limitations on certain implied warranties or exclusions of certain damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to defend, indemnify, and hold harmless StellarClose LLC and its members, officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Services
• Your violation of these Terms
• Your violation of any applicable law, including CAN-SPAM, GDPR, or CASL
• Content you submit to our Services
• Uploaded lists that you did not have the legal right to upload or use
• Any claim by a third party arising from your use of any of the Services

14. Term and Termination

Term

These Terms are effective when you first access or use our Services and remain in effect until terminated.

Cancellation by You

You may cancel your account at any time. One-click cancellation is available in your account dashboard. Cancellation takes effect at the end of your current billing period for subscription services. Per-transaction fees already incurred are not refunded upon cancellation.

Termination by Us

We may suspend or terminate your account if:

• You violate these Terms, including the Acceptable Use policy
• Your account is used for illegal activity
• You repeatedly attempt to circumvent platform enforcement rules
• Your account is more than 30 days past due

We will notify you before termination except in cases of illegal activity or repeated serious violations where immediate action is required. You may appeal a termination by contacting privacy@stellarclose.com.

Effect of Termination

• Your access to the Services ends on the termination date
• You may request a copy of your data within 30 days of termination
• We will delete your data in accordance with our Privacy Policy
• Sections 9, 11, 12, 13, 15, and 16 survive termination

15. Governing Law and Disputes

These Terms are governed by the laws of the State of Michigan, without regard to its conflict of law provisions.

Before initiating any formal dispute, you agree to contact us at privacy@stellarclose.com and give us 30 days to attempt to resolve the issue informally.

If informal resolution fails, disputes shall be resolved through binding arbitration administered under the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction in Washtenaw County, Michigan.

YOU AGREE THAT ANY DISPUTE RESOLUTION WILL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

16. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will:

• Post the updated Terms with the new effective date
• Notify registered users by email at least 14 days before material changes take effect
• For changes that materially reduce your rights, require your affirmative acceptance before they apply to you

Your continued use of the Services after the effective date of updated Terms constitutes your acceptance of the changes.

17. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and StellarClose LLC regarding the Services.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full force.
• No Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.
• Assignment: You may not assign your rights under these Terms without our written consent. We may assign our rights in connection with a merger, acquisition, or sale of assets.
• Force Majeure: We are not liable for delays or failures in performance caused by circumstances beyond our reasonable control.
• Notices: We communicate with you by email at the address on your account. You communicate with us at privacy@stellarclose.com. It is your responsibility to keep your email address current.

18. Contact Us

Questions about these Terms of Service:

• Email: privacy@stellarclose.com
• Phone: 833-794-5488
• Mail: StellarClose LLC, 3588 Plymouth Road 233, Ann Arbor, MI 48105
• Website: stellarclose.com

We respond to all inquiries within 30 days.