Invest. List. Market. Sell.
Please read these Terms of Service carefully before using Commercial Notes Online.
By accessing or using the Commercial Notes Online platform (the "Platform", "Service", "we", "us", "our"), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, our Disclaimer, and our Refund Policy, all of which are incorporated by reference. If you do not agree, you must not use the Platform.
Electronic Signature (E-SIGN / UETA): You consent to receive records, contracts, and disclosures from us electronically (including by email, in-app, or by clicking "I agree" or similar buttons), and you agree that your electronic signature and click-acceptance are legally binding under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and the Uniform Electronic Transactions Act (UETA) as adopted by your state. You may withdraw this consent only by closing your account.
We may modify these Terms at any time. Material changes will be communicated by updating the "Last Updated" date and, where appropriate, by email or in-app notice. Continued use after the effective date constitutes acceptance.
Seller/Owners list their own properties on the Platform and are solely responsible for those listings and any communications with buyer/investors. Buyer/Investors contract directly with seller/owners. By using the Platform you acknowledge and agree that all real-estate transactions occur directly between buyer/investor and seller/owner, that you are responsible for your own due diligence, and that you are strongly encouraged to retain your own licensed attorney, title company, and — if you wish to be represented — a licensed real-estate broker before entering into any transaction.
Any fee paid to an affiliate, referral partner, agent/broker partner, or lender partner is a referral fee for introducing a user to the Platform — not compensation for any brokerage, lending, advisory, or origination service. Partners remain solely responsible for their own licensing, supervision, and any disclosures required to their client or broker of record.
* Buyer/investor services, verified accounts, free browsing, pre-qualification, applications, and matching to trust acquisitions, owner-financed, and lease-to-own commercial properties
* Seller/Owner services, verified accounts, paid listing marketing packages, self-serve listing capability
* Buyer/Investor introductions, subscription access to pre-qualified buyer/investors who have consented to be matched with seller/owners
* Affiliate program, referral-fee compensation for qualified buyer/investor or seller/owner introductions (not commercial real-estate commission), and referral-fee compensation for for quality trust acquisitions, owner-financing contracts, mortgage assumptions, and lease-to-own commercial property contracted listings entered by attached affiliate accounts that sell.
We are NOT a commercial real-estate broker, agent, salesperson, lender, mortgage loan originator (MLO/RMLO), mortgage broker, escrow agent, title company, appraiser, Consumer Reporting Agency, or data broker. See our Disclaimer and Privacy Policy Section 4a for full details. All trust acquisitions, owner-financing transactions, mortgage assumptions or lease-to-own commercial property contracts occur directly between buyer/investors and seller/owners.
* You must be at least 18 years old and have legal capacity to contract
* You must provide accurate, complete, and current information and keep it current
* You are responsible for safeguarding your credentials and for all activity under your account
* You must notify us immediately of any unauthorized access
* One account per person; impersonation or multiple persons operating on one account is prohibited
* Staff and administrative accounts require multi-factor authentication, multi-factor authentication is an available feature on all other accounts
Staff Accounts (Staff, Moderator, Admin): Internal accounts created by us for our employees, contractors, and other authorized personnel are governed by the applicable employment, contractor, or independent-services agreement and our internal policies, not by these public-facing Terms. Access to staff accounts is at-will and may be revoked at any time without notice.
We may suspend or terminate any account at any time for violation of these Terms, suspected fraud or abuse, legal request, or any other lawful reason. You may close your account through your settings; certain data may be retained as described in our Privacy Policy.
* You consent to our sharing your buyer/investor profile (name, contact, location preferences, budget, down payment range, move-in timing, prequalification summary) with seller/owners and their representatives, including seller/owners using our Buyer/Investor Connection service, as described in our Privacy Policy. We are not a data broker (see Privacy Policy Section ); introductions are made on the basis of your direct consent to be matched
* You must provide accurate, complete, and current information and keep it current
* You give express written consent to receive phone calls (including autodialed, prerecorded, and AI-dialer calls), SMS/MMS messages (including marketing and autoresponder messages), and emails from us and from matched seller/owners, as described in Section 6 of our Privacy Policy
* Pre-qualification information is self-reported and not verified; we do not run credit checks and we are not a Consumer Reporting Agency
* Approval, terms, and closing are determined solely by the seller/owner — we do not guarantee approval, financing, commercial property availability, or any specific outcome
* Staff and administrative accounts require multi-factor authentication, multi-factor authentication is an available feature on all other accounts
You may opt out of marketing communications at any time (reply STOP to SMS, use the unsubscribe link in emails) and opt out of seller/owner matching and Buyer/Investor Connections at /do-not-sell
* Featured Listings - Your listing is placed on the Featured Listings Scroller on the front page of the Commercial Notes Online website. Payments are made monthly for six months total or until property sells
* Social Media Marketing - Posts about your listing are made daily on all of the Commercial Notes Online social media accounts, and we always request our seller/owners, agents/brokers, and wholesalers to share any posts we make on their social media accounts as well, if they have any. Payments are made monthly for six months or until property sale, or a one time fee good for six months total or until property sells
* Direct Marketing for Listings - We assign you a Listings Advisor who will market the seller/owners listings everywhere possible, contact buyer/investors directly who may be a right fit or have preferences that match the commercial property in question. Payments are made weekly for four or five weeks or until property sale, or a one time fee good for one month
* Full Service Listing and Marketing - We assign you a dedicated Listings Manager, who will complete the listing for you, set up your marketing packages, market the listings everywhere possible, contact buyer/investors directly who may be a right fit for the commercial property in question, provide reporting on performance of the listing and make suggestions to improve performance if necessary. Payments are made weekly for four or five weeks or until property sale, or a one time fee good for one month
* Fees are charged through our payment processor (Stripe) per the package and pricing in effect when you purchase
* All paid packages — Featured Listings, Social Media Marketing, Direct Marketing of Listings, and Full Service Listing and Marketing Assistance — are sold as monthly or one-time fees, for a set duration of time, in U.S. dollars. They do not auto-renew
* Taxes (including sales, use, and similar transaction taxes) are additional where applicable and are your responsibility
* Stripe's standard retry logic will apply to failed payments, services may be paused after repeated failures, and we will give at least 30 days' prior notice of any price change affecting your existing recurring service
* All sales are final except as expressly provided in our Refund Policy; Buyer/Investor Connection unlocks are non-refundable
* No-Chargeback Covenant: You agree not to initiate a credit-card chargeback or payment dispute for any charge you authorized. Charges that are properly disputed under the Refund Policy must go through our refund process. Improper chargebacks may result in account termination, collection of unpaid fees, and recovery of bank fees and reasonable attorneys' fees
* We may change prices and packages on prospective purchases at any time; existing engagements are governed by the package and pricing in effect when you purchased
If you communicate with buyer/investors through phone numbers, SMS lines, or messaging tools we provide (including pooled commercial property numbers), you represent, warrant, and covenant that:
* You have, or are establishing in good faith, a business relationship with each buyer you contact (e.g., an applicant or matched lead) and your outreach is consistent with that relationship
* You will comply at all times with the federal Telephone Consumer Protection Act (TCPA), CAN-SPAM, Do-Not-Call rules, A2P 10DLC carrier requirements, and all applicable state mini-TCPA and consumer-protection laws (including, where applicable, the Florida Telephone Solicitation Act)
* You will honor every STOP, HELP, UNSUBSCRIBE, do-not-text, do-not-call, and do-not-email signal you receive, immediately and across channels
* You will not use our numbers or tools to send unsolicited commercial messages outside the scope of an established business relationship, to misrepresent your identity or affiliation, or to evade carrier filtering
* You indemnify, defend, and hold harmless Commercial Notes Online and its affiliates from any claim, fine, settlement, or expense (including reasonable attorneys' fees) arising from outreach you originate, including TCPA, CAN-SPAM, state mini-TCPA, and carrier-rule claims
* We may, at our sole discretion and without notice, throttle, block, suspend, or revoke seller/owner messaging privileges or release a commercial property's assigned phone number where we reasonably believe these covenants are being violated
* If your seller/owner account is terminated (by you or by us), then unless we agree otherwise in writing:
* Active listings will be moved to Archived and removed from public search
* Applicants tied to those listings may be notified that the listing is no longer active
* Any pooled phone number assigned to a listing will be released or parked per our standard retention policy
* All seller/owner-facing access (listing tools, messaging, dialer, applicant data) will be revoked within a reasonable period
* Refunds, if any, are governed solely by our Refund Policy; termination does not by itself create a right to a refund
You represent and warrant that:
* You have the legal right and authority to list and offer the commercial property for sale on the terms you specify
* You will provide accurate, complete, and current property information and disclosures
* You will comply with the federal Fair Housing Act and all applicable state and local fair-housing laws (including any additional protected classes)
* You will independently determine whether your trust acquisition, owner-financing offering, assumable mortgage offering, or lease-to-own offering requires compliance with the SAFE Act, Dodd-Frank (including Ability-to-Repay), Truth-in-Lending Act / Regulation Z, RESPA, state mortgage-licensing, state usury, and balloon/prepayment rules, and will engage a licensed RMLO and attorney as appropriate
* You will comply with all applicable laws (including TCPA, CAN-SPAM, A2P 10DLC, state mini-TCPA laws such as the Florida Telephone Solicitation Act, and Do-Not-Call) when communicating with buyers
* You will not discriminate against any buyer/investor on the basis of any federally, state, or locally protected class
* You own or have the rights to all content (photos, descriptions, video) you upload and grant us a worldwide, royalty-free, sublicensable license to use, host, display, copy, modify (including AI enhancement), translate, and distribute it for the purpose of operating, marketing, and promoting the Platform and your listing
* Wholesalers and agent/brokers must accurately complete the verification fields required by the post listing form flow
* Featured Listings - Your listing is placed on the Featured Listings Scroller on the front page of the Commercial Notes Online website. Payments are made monthly for six months total or until property sells
* Social Media Marketing - Posts about your listing are made daily on all of the Commercial Notes Online social media accounts, and we always request our seller/owners, agents/brokers, and wholesalers to share any posts we make on their social media accounts as well, if they have any. Payments are made monthly for six months or until property sale, or a one time fee good for six months total or until property sells
* Direct Marketing for Listings - We assign you a Listings Advisor who will market the agent/broker listings everywhere possible, contact buyer/investors directly who may be a right fit or have preferences that match the commercial property in question. Payments are made weekly for four or five weeks or until property sale, or a one time fee good for one month
* Full Service Listing and Marketing - We assign you a dedicated Listings Manager, who will complete the listing for you, set up your marketing packages, market the listings everywhere possible, contact buyer/investors directly who may be a right fit for the commercial property in question, provide reporting on performance of the listing and make suggestions to improve performance if necessary. Payments are made weekly for four or five weeks or until property sale, or a one time fee good for one month
* Fees are charged through our payment processor (Stripe) per the package and pricing in effect when you purchase
* All paid packages — Featured Listings, Social Media Marketing, Direct Marketing of Listings, and Full Service Listing and Marketing Assistance — are sold as monthly or one-time fees, for a set duration of time, in U.S. dollars. They do not auto-renew
* Taxes (including sales, use, and similar transaction taxes) are additional where applicable and are your responsibility
* Stripe's standard retry logic will apply to failed payments, services may be paused after repeated failures, and we will give at least 30 days' prior notice of any price change affecting your existing recurring service
* All sales are final except as expressly provided in our Refund Policy; Buyer/Investor Connection unlocks are non-refundable
* No-Chargeback Covenant: You agree not to initiate a credit-card chargeback or payment dispute for any charge you authorized. Charges that are properly disputed under the Refund Policy must go through our refund process. Improper chargebacks may result in account termination, collection of unpaid fees, and recovery of bank fees and reasonable attorneys' fees
* We may change prices and packages on prospective purchases at any time; existing engagements are governed by the package and pricing in effect when you purchased
If you communicate with buyer/investors through phone numbers, SMS lines, or messaging tools we provide (including pooled commercial property numbers), you represent, warrant, and covenant that:
* You have, or are establishing in good faith, a business relationship with each buyer you contact (e.g., an applicant or matched lead) and your outreach is consistent with that relationship
* You will comply at all times with the federal Telephone Consumer Protection Act (TCPA), CAN-SPAM, Do-Not-Call rules, A2P 10DLC carrier requirements, and all applicable state mini-TCPA and consumer-protection laws (including, where applicable, the Florida Telephone Solicitation Act)
* You will honor every STOP, HELP, UNSUBSCRIBE, do-not-text, do-not-call, and do-not-email signal you receive, immediately and across channels
* You will not use our numbers or tools to send unsolicited commercial messages outside the scope of an established business relationship, to misrepresent your identity or affiliation, or to evade carrier filtering
* You indemnify, defend, and hold harmless Commercial Notes Online and its affiliates from any claim, fine, settlement, or expense (including reasonable attorneys' fees) arising from outreach you originate, including TCPA, CAN-SPAM, state mini-TCPA, and carrier-rule claims
* We may, at our sole discretion and without notice, throttle, block, suspend, or revoke agent/broker messaging privileges or release a commercial property's assigned phone number where we reasonably believe these covenants are being violated
* If your agent/broker account is terminated (by you or by us), then unless we agree otherwise in writing:
* Active listings will be moved to Archived and removed from public search
* Applicants tied to those listings may be notified that the listing is no longer active
* Any pooled phone number assigned to a listing will be released or parked per our standard retention policy
* All agent/broker-facing access (listing tools, messaging, dialer, applicant data) will be revoked within a reasonable period
* Refunds, if any, are governed solely by our Refund Policy; termination does not by itself create a right to a refund
You represent and warrant that:
* You have the legal right and authority to list and offer the commercial property for sale on the terms you specify
* You will provide accurate, complete, and current property information and disclosures
* You will comply with the federal Fair Housing Act and all applicable state and local fair-housing laws (including any additional protected classes)
* You will independently determine whether your trust acquisition, owner-financing offering, assumable mortgage offering, or lease-to-own offering requires compliance with the SAFE Act, Dodd-Frank (including Ability-to-Repay), Truth-in-Lending Act / Regulation Z, RESPA, state mortgage-licensing, state usury, and balloon/prepayment rules, and will engage a licensed RMLO and attorney as appropriate
* You will comply with all applicable laws (including TCPA, CAN-SPAM, A2P 10DLC, state mini-TCPA laws such as the Florida Telephone Solicitation Act, and Do-Not-Call) when communicating with buyers
* You will not discriminate against any buyer/investor on the basis of any federally, state, or locally protected class
* You own or have the rights to all content (photos, descriptions, video) you upload and grant us a worldwide, royalty-free, sublicensable license to use, host, display, copy, modify (including AI enhancement), translate, and distribute it for the purpose of operating, marketing, and promoting the Platform and your listing
* Wholesalers and agent/brokers must accurately complete the verification fields required by the post listing form flow
* Featured Listings - Your listing is placed on the Featured Listings Scroller on the front page of the Commercial Notes Online website. Payments are made monthly for six months total or until property sells
* Social Media Marketing - Posts about your listing are made daily on all of the Commercial Notes Online social media accounts, and we always request our seller/owners, agents/brokers, and wholesalers to share any posts we make on their social media accounts as well, if they have any. Payments are made monthly for six months or until property sale, or a one time fee good for six months total or until property sells
* Direct Marketing for Listings - We assign you a Listings Advisor who will market the wholesaler listings everywhere possible, contact buyer/investors directly who may be a right fit or have preferences that match the commercial property in question. Payments are made weekly for four or five weeks or until property sale, or a one time fee good for one month
* Full Service Listing and Marketing - We assign you a dedicated Listings Manager, who will complete the listing for you, set up your marketing packages, market the listings everywhere possible, contact buyer/investors directly who may be a right fit for the commercial property in question, provide reporting on performance of the listing and make suggestions to improve performance if necessary. Payments are made weekly for four or five weeks or until property sale, or a one time fee good for one month
* Fees are charged through our payment processor (Stripe) per the package and pricing in effect when you purchase
* All paid packages — Featured Listings, Social Media Marketing, Direct Marketing of Listings, and Full Service Listing and Marketing Assistance — are sold as monthly or one-time fees, for a set duration of time, in U.S. dollars. They do not auto-renew
* Taxes (including sales, use, and similar transaction taxes) are additional where applicable and are your responsibility
* Stripe's standard retry logic will apply to failed payments, services may be paused after repeated failures, and we will give at least 30 days' prior notice of any price change affecting your existing recurring service
* All sales are final except as expressly provided in our Refund Policy; Buyer/Investor Connection unlocks are non-refundable
* No-Chargeback Covenant: You agree not to initiate a credit-card chargeback or payment dispute for any charge you authorized. Charges that are properly disputed under the Refund Policy must go through our refund process. Improper chargebacks may result in account termination, collection of unpaid fees, and recovery of bank fees and reasonable attorneys' fees
* We may change prices and packages on prospective purchases at any time; existing engagements are governed by the package and pricing in effect when you purchased
If you communicate with buyer/investors through phone numbers, SMS lines, or messaging tools we provide (including pooled commercial property numbers), you represent, warrant, and covenant that:
* You have, or are establishing in good faith, a business relationship with each buyer you contact (e.g., an applicant or matched lead) and your outreach is consistent with that relationship
* You will comply at all times with the federal Telephone Consumer Protection Act (TCPA), CAN-SPAM, Do-Not-Call rules, A2P 10DLC carrier requirements, and all applicable state mini-TCPA and consumer-protection laws (including, where applicable, the Florida Telephone Solicitation Act)
* You will honor every STOP, HELP, UNSUBSCRIBE, do-not-text, do-not-call, and do-not-email signal you receive, immediately and across channels
* You will not use our numbers or tools to send unsolicited commercial messages outside the scope of an established business relationship, to misrepresent your identity or affiliation, or to evade carrier filtering
* You indemnify, defend, and hold harmless Commercial Notes Online and its affiliates from any claim, fine, settlement, or expense (including reasonable attorneys' fees) arising from outreach you originate, including TCPA, CAN-SPAM, state mini-TCPA, and carrier-rule claims
* We may, at our sole discretion and without notice, throttle, block, suspend, or revoke wholesaler messaging privileges or release a commercial property's assigned phone number where we reasonably believe these covenants are being violated
* If your wholesaler account is terminated (by you or by us), then unless we agree otherwise in writing:
* Active listings will be moved to Archived and removed from public search
* Applicants tied to those listings may be notified that the listing is no longer active
* Any pooled phone number assigned to a listing will be released or parked per our standard retention policy
* All wholesaler-facing access (listing tools, messaging, dialer, applicant data) will be revoked within a reasonable period
* Refunds, if any, are governed solely by our Refund Policy; termination does not by itself create a right to a refund
You represent and warrant that:
* You have the legal right and authority to list and offer the commercial property for sale on the terms you specify
* You will provide accurate, complete, and current property information and disclosures
* You will comply with the federal Fair Housing Act and all applicable state and local fair-housing laws (including any additional protected classes)
* You will independently determine whether your trust acquisition, owner-financing offering, assumable mortgage offering, or lease-to-own offering requires compliance with the SAFE Act, Dodd-Frank (including Ability-to-Repay), Truth-in-Lending Act / Regulation Z, RESPA, state mortgage-licensing, state usury, and balloon/prepayment rules, and will engage a licensed RMLO and attorney as appropriate
* You will comply with all applicable laws (including TCPA, CAN-SPAM, A2P 10DLC, state mini-TCPA laws such as the Florida Telephone Solicitation Act, and Do-Not-Call) when communicating with buyers
* You will not discriminate against any buyer/investor on the basis of any federally, state, or locally protected class
* You own or have the rights to all content (photos, descriptions, video) you upload and grant us a worldwide, royalty-free, sublicensable license to use, host, display, copy, modify (including AI enhancement), translate, and distribute it for the purpose of operating, marketing, and promoting the Platform and your listing
* Wholesalers and agent/brokers must accurately complete the verification fields required by the post listing form flow
If you list a commercial property using our post listing flow, your use is governed by the separate Platform Posting Agreement presented and accepted as part of the post listing wizard. The Platform Posting Agreement includes additional acknowledgments regarding revision-gating, aerial/drone photography (FAA Part 107 and state surveillance laws), and platform conduct, and incorporates the same arbitration and class-action waiver set forth in Section of these Terms.
This section applies if you are a verified seller/owner with an active listing on the Platform and you choose to unlock contact information for a buyer/investor who is a system match or an applicant on your listing. We do not sell buyer/investor lists, bulk lead files, or untargeted contact databases to any third party, and we do not act as a "data broker" as that term is defined in the California Delete Act, Texas Business & Commerce Code Chapter 509, Oregon HB 2052, Vermont 9 V.S.A. § 2446, Connecticut SB 1356, or comparable laws. See Privacy Policy.
Unlocks are available only to (a) the verified seller/owner or authorized representative of the listed commercial property, (b) where the buyer/investor has affirmatively consented to be matched with and connected with seller/owners of trust acqusitions, owner-financed commercial properties, assumable mortgages, are matching their stated preferences, and (c) for the limited purpose of communicating with that buyer/investor about your specific listed commercial property.
Upon payment (or use of an in-app credit), we grant you a non-exclusive, non-transferable, non-sublicensable, revocable limited license to use the unlocked buyer/investor contact information solely to connect with them yourself and your listed commercial property to that buyer/investor in connection with a potential trust acquisition, owner-financed, assumed mortgage or lease-to-own sale. No other use is permitted.
You shall not:
* Resell, redistribute, share, license, lease, syndicate, or transfer unlocked contact information to any third party
* Aggregate unlocked contacts into a list, CRM segment, or audience that you market to outside the scope of the specific property for which the unlock was purchased
* Scrape, harvest, or bulk-export buyer/investor data from the Platform
* Use unlocked contact information to train, fine-tune, evaluate, or benchmark any artificial-intelligence or machine-learning model
* Use unlocked contact information for any purpose permitted by the Fair Credit Reporting Act (credit, employment, insurance, tenancy, etc.); buyer/investor profile information is not a consumer report
* Use unlocked contact information to send communications in violation of the Telephone Consumer Protection Act (TCPA), CAN-SPAM, A2P 10DLC carrier rules, state mini-TCPA laws, or Do-Not-Call rules
* Continue contacting a buyer/investor who has revoked consent, opted out, replied STOP, or whose status changes to do-not-contact
* Misrepresent the source of the introduction or your relationship to Commercial Notes Online
You acknowledge that you, not Commercial Notes Online, are the sender, caller, and data controller for any outreach you perform after an unlock. You are solely responsible for honoring opt-outs, maintaining your own STOP/HELP/DNC processes, registering for A2P 10DLC where required, and complying with all applicable advertising, fair-housing, and consumer-protection laws. You will indemnify us in full for any TCPA, CAN-SPAM, state-law, fair-housing, or carrier-rule claim arising from your outreach.
Unlocks are delivered instantly and are non-refundable as set forth in our Refund Policy. We may, at our sole discretion, issue a one-time replacement credit (not a refund) where a buyer/investor's contact information is demonstrably invalid (for example, the unlocked phone is provably disconnected at the time of unlock or the buyer was already marked do-not-contact in our system prior to unlock).
We may revoke or suspend your access to the Buyer/Investor Connection service at any time, with or without notice, for any suspected violation of this Section, the Platform Posting Agreement, our Privacy Policy, or applicable law.
If you participate in our affiliate program, the following terms apply in addition to your [Affiliate Program Agreement](/legal/affiliate-program-agreement):
* Referral payouts and attribution windows are set forth in the affiliate dashboard and may be changed prospectively
* Attribution is based on the most recent qualifying click within the active attribution window before signup or qualifying action
* Payouts are subject to verification of qualifying activity and may be withheld for fraud, self-referrals, incentivized clicks, spam, or violation of these Terms
* You will not use deceptive marketing, false advertising, trademark bidding on our brand, or unsolicited communications to drive referrals
* You are an independent contractor; you must provide a valid W-9 (U.S. persons) or equivalent before payouts above the IRS reporting threshold, and we will issue Form 1099 as required
* We may terminate participation at any time and reverse or withhold payouts for ineligible or fraudulent activity
You retain ownership of content you submit (photos, listings, profile info, messages, reviews). By submitting content, you grant Commercial Notes Online a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to host, store, reproduce, modify (including for AI enhancement and translation), display, distribute, and create derivative works of that content for the purpose of operating, marketing, and promoting the Platform and your listing, including via social media and third-party marketing channels.
You represent that you own or have the rights to all content you submit, that it is accurate, and that it does not infringe or violate any third-party right or law. We may remove any content at any time at our discretion.
The Platform and all content, features, software, design, and trademarks are owned by Owner Financing Listings or its licensors and are protected by intellectual-property laws. Except for the limited license expressly granted to you, you may not:
* Copy, modify, distribute, sell, or create derivative works of the Platform
* Reverse engineer or attempt to extract source code
* Remove copyright or proprietary notices
* Use our trademarks without prior written permission
* Use the Platform, its content, or any data accessed through it to train, fine-tune, evaluate, or benchmark any artificial-intelligence or machine-learning model, except under a separate written agreement with us
The Platform and all content, features, software, design, and trademarks are owned by Owner Financing Listings or its licensors and are protected by intellectual-property laws. Except for the limited license expressly granted to you, you may not:
* Copy, modify, distribute, sell, or create derivative works of the Platform
* Reverse engineer or attempt to extract source code
* Remove copyright or proprietary notices
* Use our trademarks without prior written permission
* Use the Platform, its content, or any data accessed through it to train, fine-tune, evaluate, or benchmark any artificial-intelligence or machine-learning model, except under a separate written agreement with us
You agree NOT to:
* Use the Platform for any illegal purpose or in violation of any law
* Post false, misleading, deceptive, or fraudulent information
* Impersonate any person or entity or misrepresent your affiliation
* Harass, abuse, threaten, defame, or harm other users
* Discriminate against any user or buyer in violation of fair-housing law
* Scrape, crawl, harvest, or use bots, spiders, or automated tools to extract data from the Platform
* Attempt to gain unauthorized access to accounts, systems, or data
* Transmit viruses, malware, or other harmful code
* Send spam, unsolicited communications, or communications that violate TCPA, CAN-SPAM, A2P 10DLC, or state mini-TCPA laws
* Circumvent any STOP, opt-out, Do-Not-Call, or Do-Not-Contact signal
* Interfere with or disrupt the Platform or attempt to overload it
* Use the Platform or any data obtained from it to train AI/ML models
* Resell, sublicense, or redistribute access to the Platform or its data
* Engage in any activity that could damage our reputation or business
We respect intellectual-property rights and will respond to clear notices of alleged copyright infringement under the Digital Millennium Copyright Act (DMCA). Designated Copyright Agent:
Email: legal@commercialnotes.online
Subject line: "DMCA Takedown Notice"
A valid notice must include: (1) your physical or electronic signature; (2) identification of the copyrighted work; (3) identification of the material to be removed and its URL; (4) your contact information; (5) a statement that you have a good-faith belief that the use is not authorized; and (6) a statement, under penalty of perjury, that the information is accurate and that you are authorized to act on behalf of the owner. We may forward complete notices to the alleged infringer. Repeat infringers will be terminated.
* All fees are in U.S. dollars and are processed by Stripe; you agree to Stripe's terms when paying
* You are responsible for all taxes other than our income taxes
* We may change prices and package contents on prospective purchases at any time; existing engagements are governed by the package and pricing in effect at the time of purchase
* Material billing changes that affect existing recurring services (if any) will be communicated with at least 30 days' prior notice
Your use of the Platform is governed by our Privacy Policy, which describes what we collect, how we use and share it, and your rights, including your right to opt out of "sale" or "sharing" under U.S. state privacy laws (CCPA/CPRA, VCDPA, CPA, CTDPA, UCPA, FDBR, and others).
By creating an account or submitting a pre-qualification, you acknowledge and consent that we will share your buyer/investor profile with seller/owners of trust acquisitions, owner-financed commercial properties (including seller/owners using our Buyer/Investor Connection service) to facilitate matches, that those seller/owners may contact you by phone, text, or email about trust acquisitions, owner-financed commercial properties, assumable mortgages, and lease-to-own commercial properties that seller/owners may compensate us for the introduction, all as described in our Privacy Policy. We are not a data broker (see Privacy Policy). You may withdraw this consent at any time at /do-not-sell or in your account settings.
The Platform is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Without limiting the foregoing, see our Disclaimer page for important disclosures about our role, property accuracy, AI-generated content, pre-qualification, Buyer/Investors Connections, SAFE Act / Dodd-Frank, and more.
Aggregate Cap. Our total aggregate liability for any and all claims arising out of or relating to these Terms or the Platform shall not exceed the greater of (a) the amount you paid us in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).
Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions our liability is limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless Commercial Notes Online, its affiliates, and their officers, employees, agents, and licensors from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
* Your use of or access to the Platform
* Your violation of these Terms, the Privacy Policy, the Disclaimer, the Refund Policy, or the Platform Posting Agreement
* Your violation of any law or third-party right
* Your transactions, communications, or interactions with other users
* For seller/owners: your listings, commercial property representations, fair-housing compliance, trust acquisitions, owner-financing offering, assumable mortgages, lease-to-own offerings, and any TCPA/CAN-SPAM/state-mini-TCPA outreach you conduct
* For seller/owners: your use of unlocked buyer/investors contact information under the Buyer/Investor Connections service, including TCPA/CAN-SPAM/FCRA/fair-housing compliance for any outreach
* For affiliates: your marketing activities and compliance with applicable laws
* Content you submit
You and Commercial Notes Online agree that any dispute, claim, or controversy arising out of or relating to (a) these Terms, the Privacy Policy, the Disclaimer, the Refund Policy, the Platform Posting Agreement, or any other agreement with us, (b) your use of the Platform, (c) any service, package, or data you purchase, or (d) any communication with us or another user (each a "Dispute") shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules (or, where applicable, its Consumer Arbitration Rules), as modified by this section.
You and we each waive any right to a jury trial and any right to participate in a class action, collective action, mass arbitration, or representative action. Disputes must be brought in your individual capacity only. The arbitrator may not consolidate claims of multiple persons or preside over any form of representative or class proceeding. If this class-action waiver is found unenforceable as to a particular claim, that claim shall be severed and proceed in court while all other claims continue in arbitration.
* Seat of arbitration: New Hampshire, with hearings conducted by videoconference unless the arbitrator orders otherwise
* Language: English
Governing arbitration law: The Federal Arbitration Act (FAA), 9 U.S.C. §§ 1 et seq., governs the interpretation and enforcement of this section
Substantive law: New Hampshire law (without regard to its conflict-of-laws rules), except where federal law preempts
Either party may bring an individual action in small-claims court for any Dispute that qualifies, so long as the action remains in small-claims court on an individual basis.
Either party may seek injunctive or equitable relief in court to protect intellectual-property rights, prevent unauthorized access, or stop a breach of the no-scraping/no-AI-training/license-restriction provisions.
You may opt out of this arbitration agreement by emailing legal@commercialnotes.online within 30 days of first accepting these Terms (or, for existing users, within 30 days of the "Last Updated" date of this version), with the subject line "Arbitration Opt-Out" and including your full name and the email address on your account. Opting out does not affect any other part of these Terms.
AAA filing, administrative, and arbitrator fees will be allocated per the applicable AAA rules. The arbitrator may award reasonable attorneys' fees and costs as permitted by law or agreement.
These Terms are governed by the laws of the State of New Hampshire, without regard to conflict-of-laws principles, except where federal law applies. For any Dispute not subject to arbitration (small claims or injunctive relief), the exclusive venue is the state or federal courts located in New Hampshire, and you and we consent to personal jurisdiction there.
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, pandemics, wars, civil unrest, government actions, labor disputes, internet or telecommunications failures, cyberattacks, or third-party service outages.
We may suspend or terminate your access at any time for any reason, including violation of these Terms. You may terminate by closing your account. Sections that by their nature should survive termination, including Buyer/Investor Connection restrictions, License to Us, IP / no-AI-training, Prohibited Uses, Privacy, Disclaimers, Liability Cap, Indemnification, Arbitration, and Governing Law, will survive. Data retention after termination is described in our Privacy Policy.
We may give you notices by email to the address on your account, by SMS to the phone number on your account, or by in-app message; such notices are effective when sent. You must send legal notices to us at legal@commercialnotes.online.
These Terms, together with the Privacy Policy, Disclaimer, Refund Policy, Platform Posting Agreement (where applicable), and any package-specific engagement agreement, constitute the entire agreement between you and Commercial Notes Online regarding the Platform and supersede all prior agreements on the subject. You may not assign or transfer your rights without our written consent; we may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.
Spanish-language versions of these Terms and our other legal pages are provided for convenience only. In the event of any conflict or ambiguity between the English version and any translation, the English version controls.
* General support: support@commercialnotes.online
* Privacy: privacy@commercialnotes.online
* Legal notices, arbitration opt-out, and DMCA: legal@commercialnotesonline
* DMCA: privacy@commercialnotes.online