1. ACCEPTANCE OF TERMS

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Schedule Ventures INC, a Delaware corporation ("Schedule Ventures," "we," "us," or "our"), governing your access to and use of the Schedule Closings platform, including the website located at www.scheduleclosings.com and all associated services, features, content, and applications (collectively, the "Platform").

These Terms apply to all users of the Platform, including but not limited to:

• Consumers seeking closing services

• Real estate agents and brokers

• Mortgage lenders and loan officers

• Closing attorneys and law firms

• Title insurance companies and agencies (Licensees)

• Any other parties accessing or using the Platform

Certain provisions of these Terms apply only to specific User types, as indicated in role-specific sections below.

2. MODIFICATIONS TO TERMS

Schedule Ventures reserves the right to modify, amend, or update these Terms at any time, in its sole discretion. We will provide notice of material changes by:

• Posting the updated Terms on the Platform with a new "Last Updated" date

• Sending email notification to the address associated with your Account (if applicable)

• Displaying a prominent notice on the Platform

Your continued use of the Platform after the effective date of any modifications constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must immediately cease using the Platform and, if applicable, terminate your Account.

We encourage you to review these Terms periodically to stay informed of any updates.

3. DESCRIPTION OF SERVICE

3.1 Platform Purpose

Schedule Closings is a marketplace platform that connects consumers, real estate professionals, and closing service providers for the purpose of facilitating real estate closing transactions. The Platform enables:

Platform Features:

• Search and Discovery: Users can search for and discover closing attorneys, title companies, and related service providers based on location, availability, pricing, reviews, and other criteria

• Online Scheduling: Consumers and real estate professionals can schedule closing appointments with service providers through integrated calendar functionality

• Communication Tools: In-platform messaging, email, and document sharing between transaction parties

• Document Management: Upload, storage, sharing, and e-signature capabilities for closing-related documents

• Order Management: Tools for managing closing transactions from initiation through completion

• Analytics and Reporting: Performance metrics and business intelligence for service providers

3.2 Role of Schedule Ventures

Schedule Ventures operates as a technology platform and marketplace facilitator only. We:

We Provide:

• Provide technology infrastructure connecting Users

• Enable communication and transaction coordination

• Facilitate appointment scheduling and document management

• Process payments for Platform services where applicable

We do NOT:

• Provide legal services or legal advice

• Act as a real estate agent, broker, or lender

• Provide title insurance or underwriting services

• Conduct real estate closings or settlements

• Guarantee the quality, legality, or suitability of any services provided by third-party service providers

• Verify credentials, licensing, or qualifications of service providers (though we may facilitate such verification)

3.3 Third-Party Services

All closing services, legal services, title insurance services, and related professional services are provided by independent third-party service providers, not by Schedule Ventures. Schedule Ventures is not responsible for the acts, errors, omissions, representations, warranties, breaches, or negligence of any such third parties, or for any personal injuries, death, property damage, or other damages or expenses resulting therefrom.

4. ACCOUNT REGISTRATION AND ELIGIBILITY

4.1 Account Requirement

Certain features of the Platform require you to register for an Account. You agree to:

Account Obligations:

• Provide accurate, current, and complete information during registration

• Maintain and promptly update your Account information

• Maintain the security of your Account credentials

• Immediately notify us of any unauthorized use of your Account

• Accept responsibility for all activities that occur under your Account

4.2 Eligibility

To use the Platform, you must:

• Be at least 18 years of age

• Have the legal capacity to enter into binding contracts

• Not be prohibited from using the Platform under applicable law

• Not have been previously suspended or removed from the Platform

For Professional Service Providers (Attorneys, Title Companies):

In addition to the above, you must:

• Hold all necessary licenses, certifications, and credentials required by applicable law

• Maintain all required insurance coverage

• Comply with all professional ethical standards and regulations

• Be authorized to conduct business in the jurisdictions where you offer services

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your Account login credentials. You agree to:

• Use a strong, unique password

• Not share your Account credentials with any third party

• Immediately notify us of any suspected unauthorized access

Schedule Ventures is not liable for any loss or damage arising from your failure to protect your Account credentials.

4.4 Account Termination

You may terminate your Account at any time by contacting support@scheduleclosings.com. Schedule Ventures may suspend or terminate your Account at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms

• Fraudulent, abusive, or illegal activity

• Extended period of inactivity

• Request by law enforcement or government agency

• Threats to Platform security or integrity

Upon termination:

• Your right to access the Platform immediately ceases

• We may delete your Account data subject to legal retention requirements

• Provisions of these Terms that by their nature should survive termination will survive

5. USER CONTENT AND INTELLECTUAL PROPERTY

5.1 User Content Defined

"User Content" means any content, data, information, documents, images, text, or other materials that you upload, submit, post, or otherwise make available through the Platform, including but not limited to:

• Profile information and biographical data

• Property information and transaction details

• Documents uploaded for closing transactions

• Messages and communications sent through the Platform

• Reviews, ratings, and feedback

• Forms completed through the Platform

5.2 User Content Ownership

You retain all ownership rights in your User Content. By uploading or submitting User Content to the Platform, you grant Schedule Ventures a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, copy, modify, create derivative works based upon, distribute, publicly display, publicly perform, and otherwise exploit your User Content in connection with operating and providing the Platform and promoting the Platform and our services.

This license continues even after you stop using the Platform, but only for User Content you shared with others who have not deleted it.

5.3 User Content Representations and Warranties

You represent and warrant that:

• You own or have obtained all necessary rights, licenses, consents, and permissions to submit your User Content

• Your User Content does not violate any third-party rights, including intellectual property, privacy, or publicity rights

• Your User Content does not contain any confidential or proprietary information of third parties

• Your User Content complies with all applicable laws and regulations

5.4 Prohibited User Content

You agree not to upload, submit, post, or transmit any User Content that:

• Is unlawful, fraudulent, threatening, abusive, harassing, defamatory, obscene, or otherwise objectionable

• Infringes any patent, trademark, trade secret, copyright, or other intellectual property or proprietary rights

• Contains viruses, malware, or other harmful code

• Impersonates any person or entity or misrepresents your affiliation with any person or entity

• Violates the privacy or publicity rights of any third party

• Contains unsolicited or unauthorized advertising, promotional materials, spam, or any other form of solicitation

• Interferes with or disrupts the Platform or servers or networks connected to the Platform

5.5 Schedule Ventures' Intellectual Property

The Platform and all content, features, and functionality (excluding User Content) are owned by Schedule Ventures and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

• Copy, modify, distribute, sell, or lease any part of our Platform or software

• Reverse engineer or attempt to extract the source code of our software

• Use any of our trademarks, logos, or branding without written permission

• Frame or mirror any part of the Platform without written authorization

5.6 Generated Documents and Forms

Documents and forms generated through the Platform using attorney-provided templates or Platform tools are subject to the following:

• The completing party retains all rights to the completed document's content

• Schedule Ventures retains rights to the form template structure and technology

• The attorney or service provider who provided the template retains rights to their template design

• Generated documents may be used by all transaction parties as necessary for the closing

6. PLATFORM USAGE RULES AND RESTRICTIONS

6.1 Acceptable Use

You agree to use the Platform only for lawful purposes and in accordance with these Terms. You agree not to:

Prohibited Actions:

• Violate any applicable local, state, national, or international law or regulation

• Engage in any fraudulent, abusive, or otherwise illegal activity

• Circumvent, disable, or otherwise interfere with security-related features of the Platform

• Use any robot, spider, crawler, scraper, or other automated means to access the Platform

• Attempt to gain unauthorized access to any portion of the Platform or any other systems or networks

• Interfere with or disrupt the integrity or performance of the Platform

• Attempt to probe, scan, or test the vulnerability of the Platform

• Collect or harvest any personally identifiable information from the Platform

• Impersonate or attempt to impersonate Schedule Ventures, another user, or any other person or entity

• Upload or transmit viruses or any other type of malicious code

• Use the Platform to transmit any advertising or promotional material without our consent

User Conduct Standards:

• Treat all Platform users with professionalism and respect

• Respond to inquiries and communications in a timely manner

• Provide accurate and truthful information in all Platform interactions

• Honor commitments made through the Platform

• Report any suspicious activity or Terms violations to Schedule Ventures

6.2 Service Provider Standards

For Attorneys, Title Companies, and Other Service Providers:

You agree to:

• Maintain all required professional licenses and credentials in good standing

• Comply with all applicable professional ethical standards and regulations

• Maintain adequate professional liability insurance

• Respond to booking requests and inquiries within 24 business hours

• Provide services in a professional, timely, and competent manner

• Honor all appointments scheduled through the Platform or provide adequate notice of cancellation

• Accurately represent your qualifications, experience, pricing, and availability

• Comply with all RESPA, TILA, and other applicable real estate settlement laws

• Not discriminate against any party based on protected characteristics

Failure to meet these standards may result in suspension or termination of your Account.

6.3 Consumer and Agent Standards

For Consumers, Real Estate Agents, and Lenders:

You agree to:

• Provide accurate property and transaction information

• Attend scheduled appointments or provide timely cancellation notice

• Treat service providers with respect and professionalism

• Comply with service provider instructions and requirements

• Make timely payments for services rendered

• Not engage in rate shopping after booking appointments

• Not solicit service providers to work outside the Platform to avoid fees

7. FEES, PAYMENTS, AND BILLING

7.1 Platform Access Fees

Free Access: The following Users have free access to the Platform:

• Consumers searching for and booking closing services

• Real estate agents and brokers facilitating closings

• Mortgage lenders and loan officers coordinating closings

• Attorneys and title companies receiving orders through the Platform (subject to licensing agreements with third parties)

Paid Services: Certain Platform features and services may require payment, including but not limited to:

• Licensing fees for title insurance companies (handled under separate licensing agreements)

• Premium features and enhanced visibility (if offered)

• Transaction processing fees (if applicable)

7.2 Third-Party Payment Processing

Schedule Ventures uses third-party payment processors to facilitate financial transactions on the Platform. By using payment features, you agree to be bound by the payment processors' terms of service and privacy policy.

Current payment processors include but are not limited to:

• Stripe, Inc.

• Other payment processors as may be implemented

Payment Processor Fees:

Payment processing fees may apply to certain transactions. These fees will be clearly disclosed at the time of transaction. Fees may include:

• Fixed per-transaction fees

• Percentage-based processing fees

• ACH transfer fees

• Wire transfer fees

• Credit card processing fees

You are responsible for all fees charged by the payment processor in addition to any Platform fees.

7.3 Service Provider Fees

Fees for professional services (closing services, title insurance, legal services, etc.) are established by the individual service providers, not by Schedule Ventures. Schedule Ventures:

• Does not set or control service provider pricing

• Is not responsible for collecting service provider fees

• Is not a party to the financial transaction between Users and service providers

• Does not guarantee the accuracy of service provider pricing information

Payment for professional services is made directly to the service provider or through channels they designate, not through the Platform (unless specifically arranged).

7.4 Refunds and Disputes

Platform Fees:

• All Platform fees paid to Schedule Ventures are non-refundable unless otherwise stated in writing or required by law.

Service Provider Fees:

• Disputes regarding fees charged by service providers must be resolved directly with the service provider. Schedule Ventures is not responsible for refunding or mediating disputes over service provider fees.

Chargebacks:

• Initiating a chargeback or payment dispute without first attempting to resolve the issue with Schedule Ventures or the service provider may result in immediate Account suspension.

7.5 Taxes

You are responsible for determining and paying all applicable taxes (sales tax, use tax, value-added tax, etc.) associated with your use of the Platform. Schedule Ventures is not responsible for collecting or remitting taxes on your behalf unless legally required to do so.

8. ATTORNEY-SPECIFIC TERMS

8.1 Application to Attorneys

This Section 8 applies specifically to closing attorneys and law firms who register on the Platform to offer closing services.

8.2 Professional Licensing and Credentials

You represent and warrant that:

• You are a licensed attorney in good standing in all jurisdictions where you offer services

• You have all necessary permissions and credentials to conduct real estate closings

• You maintain all required professional liability insurance

• You are not subject to any disciplinary actions or suspensions

• You comply with all state bar association rules and ethical standards

8.3 Independent Contractor Status

Attorneys are independent contractors, not employees, agents, or partners of Schedule Ventures. You:

• Control the manner and means of providing your services

• Are solely responsible for your professional conduct and legal advice

• Determine your own pricing and availability

• Are responsible for all taxes, insurance, and benefits

• May decline any order or appointment at your discretion (subject to professional obligations)

8.4 Attorney Profile Requirements

Your attorney profile must include:

• Accurate bar admission information for all jurisdictions where licensed

• Current contact information and geographic service areas

• Pricing information (ranges acceptable if exact pricing varies)

• Availability and scheduling preferences

• Professional biography and practice areas

• Proof of professional liability insurance (upon request)

8.5 Order Management

When you receive an order or appointment through the Platform, you agree to:

• Accept or decline the order within 24 business hours

• Communicate any scheduling changes promptly

• Provide all necessary closing documents and instructions

• Conduct closings in accordance with professional standards

• Complete all post-closing requirements in a timely manner

• Maintain client confidentiality in accordance with attorney-client privilege

8.6 Title Insurance Relationships

8.7 Dispute Resolution with Clients

You are solely responsible for resolving all disputes with your clients, including but not limited to:

• Fee disputes

• Service quality complaints

• Malpractice claims

• Ethical violations

Schedule Ventures is not a party to your client relationships and assumes no liability for your professional conduct.

9. TITLE INSURANCE COMPANY / LICENSEE-SPECIFIC TERMS

9.1 Application to Licensees

This Section 9 applies specifically to title insurance companies and agencies who license the Platform for order routing and marketplace participation ("Licensees").

9.2 Licensing Framework

Basic Platform Access: Title insurance companies may participate in the Platform's marketplace without a licensing agreement, subject to the same terms as other Users.

Licensed Order Routing: Companies who wish to receive automatic order routing from Platform transactions must execute a separate licensing agreement with Schedule Ventures. The licensing agreement will specify:

• Licensed territories (geographic areas, ZIP codes, or markets)

• Per-transaction licensing fees

• Order routing rules and assignment logic

• Term and termination provisions

• Exclusivity or non-exclusivity arrangements

• Performance standards and obligations

These Terms constitute the foundational agreement; the licensing agreement provides additional terms specific to order routing services.

9.3 Licensing Fees

Licensing fees are paid on a per-transaction basis only for completed orders received through licensed territory routing. Typical fee structure:

• North Carolina / South Carolina: $50 per transaction

• Other States: $50 - $500 per transaction based on market size and transaction values

• National Average Target: $150 per transaction

No upfront fees, no monthly minimums, no setup costs. Licensees pay only when they receive completed orders through the Platform's routing system.

All licensing fees, payment terms, and billing procedures are specified in the separate licensing agreement.

9.4 Order Routing Functionality

Licensed title insurance companies receive automatic routing of transactions that originate through the Platform in their licensed territories. The Platform will:

• Route qualifying orders based on territory assignments and agreed-upon logic

• Provide notification of new orders

• Enable order tracking and management through the Platform

• Generate analytics and reporting on order volume and performance

Licensees acknowledge that:

• Order volume is not guaranteed and depends on Platform usage and consumer activity

• Orders may be subject to allocation rules if multiple Licensees have overlapping territories

• Consumers always retain the right to select a different title company if they choose

• Attorneys maintain professional independence and discretion in all matters

9.5 Attorney Recruitment and Marketing

Licensees may use the Platform to:

• Market their services to attorneys in their licensed territories

• Provide co-branded materials and resources

• Sponsor attorney onboarding and training

• Build relationships with Platform attorneys

Licensees may NOT:

• Require attorneys to use their services exclusively

• Interfere with attorney-client relationships

• Engage in anti-competitive practices

• Misrepresent Platform capabilities or order volume guarantees

9.6 Compliance and Regulatory Requirements

Licensees must:

• Maintain all required state licenses and underwriter appointments

• Comply with all RESPA, TILA, and state insurance regulations

• Maintain adequate errors and omissions insurance

• Follow all title insurance underwriter requirements

• Process orders in accordance with industry standards

• Provide timely and accurate service to attorneys and consumers

9.7 Data and Analytics

Licensees receive access to analytics and reporting tools showing:

• Order volume and transaction metrics

• Conversion rates and performance data

• Attorney utilization and engagement

• Geographic and market intelligence

Licensees may not:

• Scrape or export data in violation of these Terms

• Use data to compete directly with the Platform

• Share Platform data with third parties without authorization

• Use data for purposes unrelated to licensed order fulfillment

10. REVIEWS, RATINGS, AND FEEDBACK

10.1 Review System

The Platform may include features that allow Users to post reviews, ratings, and feedback about service providers and their experiences. By submitting a review, you grant Schedule Ventures the rights specified in Section 5.2 (User Content).

10.2 Review Standards

Reviews must:

• Be based on genuine firsthand experience with the service provider

• Be truthful, accurate, and not misleading

• Relate to the service providers' professional services

• Comply with the Prohibited User Content standards in Section 5.4

Reviews must not:

• Contain defamatory, libelous, or false statements

• Include personal attacks or inappropriate content

• Disclose confidential or privileged information

• Violate privacy rights or professional obligations

• Be motivated by personal vendetta or competitive intent

• Be submitted in exchange for compensation or incentives

10.3 Service Provider Response

Service providers may respond to reviews in accordance with professional ethical standards and confidentiality obligations. Responses must:

• Maintain professionalism and civility

• Not disclose confidential client information

• Not violate attorney-client privilege or similar protections

• Comply with applicable professional conduct rules

10.4 Review Moderation

Schedule Ventures reserves the right to:

• Monitor, edit, or remove reviews at our sole discretion

• Remove reviews that violate these Terms

• Investigate suspicious reviewing activity

• Suspend or terminate Accounts that abuse the review system

We do not verify the accuracy of reviews and are not responsible for their content.

11. PRIVACY AND DATA PROTECTION

11.1 Privacy Policy

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the practices described in our Privacy Policy.

You can review our Privacy Policy at: [Privacy Policy URL]

11.2 Data Security

Schedule Ventures implements reasonable technical and organizational measures to protect User data. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

11.3 Third-Party Data Sharing

The Platform may integrate with third-party services (calendar systems, e-signature providers, payment processors, etc.). When you use these integrations, you are subject to the third parties' privacy policy and terms of service.

11.4 Attorney-Client Privilege and Confidentiality

11.5 Data Retention

We retain User data as long as necessary to provide the Platform and comply with legal obligations. Upon Account termination, we may retain certain data as required by law or legitimate business purposes.

Users may request deletion of their data by contacting privacy@scheduleclosings.com, subject to legal retention requirements.

12. DISCLAIMERS AND LIMITATIONS OF LIABILITY

12.1 Platform "As Is"

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY

• FITNESS FOR A PARTICULAR PURPOSE

• NON-INFRINGEMENT

• TITLE

• QUIET ENJOYMENT

• ACCURACY OF DATA

• ABSENCE OF DEFECTS OR ERRORS

SCHEDULE VENTURES DOES NOT WARRANT THAT:

• The Platform will be uninterrupted, secure, or error-free

• Defects will be corrected

• The Platform is free of viruses or harmful components

• Results obtained from the Platform will be accurate or reliable

12.2 Third-Party Service Provider Disclaimer

SCHEDULE VENTURES DOES NOT:

• Employ, supervise, or control service providers on the Platform

• Verify credentials, licenses, qualifications, or backgrounds of service providers

• Guarantee the quality, safety, legality, or suitability of services provided

• Endorse any service provider or recommend specific providers

• Assume any liability for service provider acts, errors, omissions, or negligence

YOU ARE SOLELY RESPONSIBLE FOR:

• Evaluating and selecting service providers

• Verifying credentials and qualifications

• Assessing the suitability of services for your needs

• All interactions and relationships with service providers

12.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCHEDULE VENTURES, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR:

A. INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING:

• Loss of profits, revenue, data, or use

• Loss of business opportunity

• Personal injury or property damage

• Cost of substitute services

• Emotional distress or mental anguish

B. ANY DAMAGES ARISING FROM:

• Use or inability to use the Platform

• Unauthorized access to or alteration of your data

• Statements or conduct of any third party on the Platform

• Service provider acts, errors, omissions, or negligence

• Failed transactions or interrupted service

• Security breaches or data loss

C. AGGREGATE LIABILITY CAP:

• IN NO EVENT SHALL SCHEDULE VENTURES' TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE GREATER OF:

• $100 (One Hundred Dollars), OR

• THE AMOUNT YOU PAID TO SCHEDULE VENTURES IN THE 12 MONTHS PRECEDING THE CLAIM

THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF SCHEDULE VENTURES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12.4 State-Specific Limitations

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages or implied warranties, so the above limitations may not apply to you. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

12.5 No Professional Services

SCHEDULE VENTURES DOES NOT PROVIDE:

• Legal advice or legal services

• Title insurance or underwriting services

• Real estate brokerage or agency services

• Lending or mortgage services

• Professional advice of any kind

ALL PROFESSIONAL SERVICES ARE PROVIDED BY INDEPENDENT THIRD-PARTY SERVICE PROVIDERS. Schedule Ventures is a technology platform only.

13. INDEMNIFICATION

13.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless Schedule Ventures, its parent, subsidiaries, affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or relating to:

• Your use or misuse of the Platform

• Your violation of these Terms

• Your violation of any law, regulation, or third-party rights

• Your User Content

• Your interactions with other Users or service providers

• Any professional services you provide through the Platform (for service providers)

• Any negligence, misconduct, or breach of professional standards (for service providers)

13.2 Defense and Settlement

Schedule Ventures reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate fully with Schedule Ventures in asserting any available defenses and will not settle any claim without Schedule Ventures' prior written consent.

14. DISPUTE RESOLUTION AND ARBITRATION

14.1 Informal Dispute Resolution

Before initiating arbitration or litigation, you agree to first contact Schedule Ventures at legal@scheduleclosings.com to attempt to resolve the dispute informally. We will attempt to resolve disputes in good faith within 30 days of receiving notice.

14.2 Binding Arbitration

A. Agreement to Arbitrate:

• Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform ("Dispute") shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules and Supplementary Procedures for Consumer-Related Disputes.

B. Exceptions:

• The following Disputes are NOT subject to arbitration:

• Individual actions in small claims court

• Disputes seeking injunctive relief related to intellectual property rights

• Disputes involving allegations of fraud, piracy, or intellectual property infringement

C. Arbitration Procedures:

• One arbitrator will be appointed in accordance with AAA rules

• Arbitration will be conducted by telephone, online, or in-person in Mecklenburg County, North Carolina

• The arbitrator's decision will be final and binding

• Judgment on the award may be entered in any court having jurisdiction

D. Costs:

• Each party will bear their own attorneys' fees and costs unless the arbitrator awards fees to the prevailing party as permitted by law. Schedule Ventures will pay all AAA filing, administration, and arbitrator fees for claims under $10,000 unless the arbitrator finds the claim frivolous.

14.3 Class Action Waiver

Neither you nor Schedule Ventures may bring a claim on behalf of other individuals or entities, and the arbitrator may not consolidate multiple parties' claims.

14.4 Opt-Out Right

You have the right to opt out of this arbitration agreement by sending written notice to Schedule Ventures at legal@scheduleclosings.com within 30 days of first accepting these Terms. Your notice must include your name, address, email, and a statement that you wish to opt out of arbitration.

If you opt out, you and Schedule Ventures agree to resolve Disputes in accordance with Section 14.5 (Governing Law and Venue) below.

14.5 Governing Law and Venue

These Terms and any Dispute shall be governed by the laws of the State of North Carolina without regard to its conflict of law provisions.

If arbitration does not apply (due to opt-out or exceptions above), you agree that:

• Any legal action must be brought in the state or federal courts located in Mecklenburg County, North Carolina

• You consent to the exclusive jurisdiction and venue of such courts

• You waive any objection to jurisdiction or venue in such courts

15. RESPA COMPLIANCE AND AFFILIATED BUSINESS DISCLOSURES

15.1 RESPA Applicability

The Real Estate Settlement Procedures Act ("RESPA") regulates real estate settlement services and prohibits certain practices including kickbacks and referral fees. Schedule Ventures is committed to full RESPA compliance.

15.2 Platform Structure

Key Facts:

• Schedule Ventures INC operates the Schedule Closings Platform

• Affiliated Title Ventures, LLC (ATV Title) is a separate but affiliated title insurance agency owned by Kim Thompson (spouse of Larry Thompson, CEO of Schedule Ventures)

• This ownership separation is designed to comply with RESPA requirements

15.3 No Required Use

YOU ARE NEVER REQUIRED TO USE ANY SPECIFIC SERVICE PROVIDER AS A CONDITION OF:

• Using the Platform

• Receiving a loan

• Purchasing or selling property

• Conducting a real estate closing

YOU ARE FREE TO:

• Select any service provider of your choice

• Shop around for the best services and rates

• Use service providers not listed on the Platform

• Decline to use ATV Title or any other Platform participant

15.4 ATV Title Affiliated Business Arrangement

If you choose to use ATV Title or any affiliated company for title insurance services:

• You should be aware that ATV Title is affiliated with Schedule Ventures through common family ownership

• This relationship may provide Schedule Ventures or related individuals with a financial benefit

• You are not required to use ATV Title to access or use the Platform

• A separate, detailed Affiliated Business Arrangement Disclosure will be provided before any transaction with ATV Title

15.5 Licensee Order Routing

Title insurance companies (Licensees) pay Schedule Ventures licensing fees for order routing services. This means:

• When you use the Platform to schedule a closing, the Platform may automatically route your order to a Licensee who has paid for such routing

• The Licensee pays Schedule Ventures a per-transaction fee ($50-$500) for this order routing service

• You are still free to select a different title insurance company if you prefer

• Attorneys maintain professional independence and are not required to work with any specific Licensee

This order routing arrangement is disclosed to ensure transparency. You are always free to make your own choices.

15.6 Separate Detailed Disclosures

Before any transaction that may involve affiliated business relationships or referral fees:

• You will receive a detailed Affiliated Business Arrangement Disclosure Statement

• The disclosure will identify all affiliated parties and financial relationships

• You will have the opportunity to review and acknowledge the disclosure

• You retain the right to select alternative service providers

15.7 No Kickbacks or Referral Fees

Schedule Ventures does not:

• Pay kickbacks or referral fees for sending business to service providers

• Receive kickbacks or referral fees from service providers for consumer referrals

• Mark up the cost of settlement services

• Charge fees in violation of RESPA or state law

Licensing fees paid by title insurance companies are for technology services and order routing, not for referrals.

16. ELECTRONIC COMMUNICATIONS AND SIGNATURES

16.1 Consent to Electronic Communications

By using the Platform, you consent to receive communications from Schedule Ventures electronically, including:

• Email notifications and correspondence

• In-platform messages and alerts

• Policy updates and Terms modifications

• Promotional communications (subject to your preferences)

You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

16.2 Electronic Signatures

The Platform may enable electronic signature functionality for closing documents and other legal instruments. By using electronic signature features:

• You consent to conduct transactions electronically

• You agree that electronic signatures are legally binding

• You acknowledge that you can access and retain electronic records

• You waive any rights or requirements under laws requiring original signatures or non-electronic records

Electronic signatures are governed by the Electronic Signatures in Global and National Commerce Act (E-SIGN) and the Uniform Electronic Transactions Act (UETA).

16.3 Withdrawal of Consent

You may withdraw your consent to electronic communications by contacting support@scheduleclosings.com. Withdrawal of consent may limit or prevent your ability to use certain Platform features.

16.4 System Requirements

To access and retain electronic communications, you must have:

• A computer or mobile device with internet access

• A current web browser with cookies enabled

• Sufficient storage capacity to save or print communications

• An email account capable of receiving messages from the Platform

17. INTELLECTUAL PROPERTY DISPUTES AND DMCA

17.1 Copyright Policy

Schedule Ventures respects intellectual property rights and expects Users to do the same. We will respond to valid notices of copyright infringement in accordance with the Digital Millennium Copyright Act ("DMCA").

17.2 DMCA Takedown Procedure

If you believe that content on the Platform infringes your copyright, please send a written notice to our designated Copyright Agent at:

Your notice must include:

• Your physical or electronic signature

• Identification of the copyrighted work claimed to be infringed

• Identification of the infringing material and information reasonably sufficient to permit us to locate it

• Your contact information (address, telephone number, email)

• A statement that you have a good faith belief that the use is not authorized by the copyright owner

• A statement under penalty of perjury that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner

17.3 Counter-Notice Procedure

If you believe your content was removed in error, you may send a counter-notice to our Copyright Agent containing:

• Your physical or electronic signature

• Identification of the removed material and its prior location

• A statement under penalty of perjury that the material was removed by mistake or misidentification

• Your name, address, telephone number, and consent to jurisdiction in the federal court for your district

17.4 Repeat Infringer Policy

Schedule Ventures may terminate Accounts of Users who are found to be repeat infringers of intellectual property rights.

18. THIRD-PARTY LINKS AND INTEGRATIONS

18.1 Third-Party Websites and Services

The Platform may contain links to third-party websites, services, or resources that are not owned or controlled by Schedule Ventures, including but not limited to:

• Calendar and scheduling services (Google Calendar, Outlook, etc.)

• E-signature providers (DocuSign, Adobe Sign, etc.)

• Payment processors (Stripe, etc.)

• Document storage services (Google Drive, Dropbox, etc.)

• Video conferencing tools (Zoom, etc.)

18.2 No Endorsement or Liability

Schedule Ventures does not endorse and is not responsible for:

• The availability, accuracy, or content of third-party sites or services

• Third-party terms of service, privacy policies, or practices

• Any damage or loss caused by your use of third-party services

• Third-party advertising or promotional content

Your use of third-party services is at your own risk and subject to their terms and conditions.

18.3 Integration Availability

Schedule Ventures does not guarantee the continued availability of any third-party integration. We may disable integrations at any time if:

• The third party discontinues their service

• The integration creates security or technical issues

• The integration violates applicable law

• We choose to discontinue the integration for business reasons

19. FORCE MAJEURE

Schedule Ventures shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to:

• Acts of God (earthquakes, floods, storms, etc.)

• War, terrorism, civil unrest, or riot

• Government actions, laws, or regulations

• Epidemics, pandemics, or public health emergencies

• Labor disputes or strikes

• Telecommunications or internet failures

• Power outages or utility disruptions

• Cyberattacks or hacking incidents

During a force majeure event, our obligations will be suspended to the extent they are affected, and we will use reasonable efforts to resume performance as soon as practicable.

20. MISCELLANEOUS PROVISIONS

20.1 Entire Agreement

These Terms, together with our Privacy Policy and any separate licensing agreements, constitute the entire agreement between you and Schedule Ventures regarding the Platform and supersede all prior agreements and understandings.

20.2 Waiver

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. Schedule Ventures' failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

20.3 Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

20.4 Assignment

You may not assign or transfer these Terms or any rights hereunder without Schedule Ventures' prior written consent. Schedule Ventures may freely assign or transfer these Terms without restriction. These Terms bind and inure to the benefit of the parties and their respective successors and permitted assigns.

20.5 No Third-Party Beneficiaries

These Terms do not and are not intended to confer any rights or remedies upon any person or entity other than you and Schedule Ventures.

20.6 Relationship of Parties

Nothing in these Terms shall be construed to create a partnership, joint venture, agency, employment, or franchise relationship between you and Schedule Ventures. Neither party has the authority to bind the other or incur obligations on the other's behalf.

20.7 Notices

All notices to Schedule Ventures must be in writing and sent to:

All notices to you will be sent to the email address associated with your Account or posted on the Platform.

20.8 Survival

Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to:

• Intellectual Property Rights (Section 5)

• Indemnification (Section 13)

• Disclaimers and Limitations of Liability (Section 12)

• Dispute Resolution and Arbitration (Section 14)

• Governing Law (Section 14.5)

20.9 Language

These Terms were prepared in English. In the event of any conflict between an English version and a translated version, the English version shall control.

20.10 Headings

Section headings are for convenience only and shall not be used to interpret these Terms.

21. CONTACT INFORMATION

For questions, concerns, or notices regarding these Terms or the Platform, please contact:

22. ACKNOWLEDGMENT AND ACCEPTANCE