Terms and Conditions

1. About Home PropLock

Home PropLock provides property and deed monitoring services designed to help property owners stay informed about recorded documents and potential changes affecting their properties. Home PropLock offers notification and monitoring services and does not provide legal advice, title insurance, or governmental recording services.

2. Eligibility

You must be at least eighteen (18) years old to use our services. By using our website, you represent and warrant that you have the legal authority to enter into this agreement.

3. Services

Home PropLock offers subscription-based monitoring services that may include:

• Title and deed monitoring
• Ownership change notifications
• Lien and foreclosure alerts
• Quarterly newsletters
• Multi-property monitoring
• Portfolio reporting
• Premium add-on services
• Property tax exemption assistance
• Notary services where available

Services and features may change at any time without prior notice.

4. Subscription Plans and Fees

Current plans may include:

Initial Setup Fee

A one-time setup fee of $99.00 may apply.

Fees are subject to change without notice.

5. Billing and Payment

Subscription fees are billed monthly. By purchasing services, you authorize Home PropLock and its payment processors to charge the payment method provided.

Failure to maintain a valid payment method may result in suspension or termination of services.

6. Cancellation

• You may cancel your subscription at any time.
• Cancellation requests must be submitted before your next billing date to avoid additional charges.
• No partial refunds are provided for unused portions of a billing cycle.

7. Refund Policy

• Setup fees are non-refundable.
• Monthly subscription fees are generally non-refundable once billed.
• Refund requests are reviewed on a case-by-case basis at Home PropLock's sole discretion.

8. Property Information Disclaimer

Information provided by Home PropLock is obtained from public records and third-party sources.

While we strive to provide accurate and timely information, we do not guarantee:

• Accuracy
• Completeness
• Timeliness
• Availability
• Suitability for any particular purpose

Property records and public information may contain errors or delays beyond our control.

Users should independently verify information with the appropriate county recorder, assessor, or governmental agency.

9. No Legal Advice

Home PropLock does not provide legal advice.

Nothing on this website or through our services should be interpreted as legal, financial, tax, or professional advice.

Users should consult qualified professionals regarding legal matters, title issues, or property disputes.

10. No Guarantee Against Fraud

Home PropLock provides monitoring and notification services only.

Home PropLock does not guarantee:

• Prevention of fraud
• Prevention of identity theft
• Prevention of unauthorized recordings
• Protection from financial loss

Notifications are intended to help customers identify potential issues and take appropriate action.

11. Customer Responsibilities

Customers are responsible for:

• Providing accurate information.
• Maintaining current contact information.
• Protecting account credentials.
• Monitoring notifications received.
• Promptly reporting suspected fraudulent activity to appropriate authorities.

12. Account Security

Users are responsible for all activities occurring under their account.

Home PropLock is not liable for losses resulting from unauthorized use caused by the customer's failure to protect login credentials.

13. Website Use

You agree not to:

• Use the website unlawfully.
• Attempt unauthorized access to systems.
• Introduce malicious code or harmful software.
• Interfere with website operation.
• Copy or reproduce content without written permission.

14. Intellectual Property

All website content, graphics, logos, trademarks, software, and materials are owned by Home PropLock and are protected under applicable intellectual property laws.

No rights are granted except those expressly stated herein.

15. Limitation of Liability

To the fullest extent permitted by law, Home PropLock, its officers, employees, affiliates, agents, and service providers shall not be liable for any:

• Direct damages
• Indirect damages
• Incidental damages
• Consequential damages
• Lost profits
• Loss of data
• Loss of property value
• Business interruption

arising from or related to the use of the website or services.

16. Indemnification

You agree to indemnify and hold harmless Home PropLock and its affiliates from any claims, damages, liabilities, expenses, and costs resulting from:

• Your use of the services.
• Violation of these Terms.
• Violation of any law or third-party rights.

17. Third-Party Services

Home PropLock may utilize third-party vendors, payment processors, and public record data sources.

Home PropLock is not responsible for the availability, content, or performance of third-party services.

18. Force Majeure

Home PropLock shall not be liable for delays or failures caused by events beyond its reasonable control, including:

• Natural disasters
• Government actions
• Internet outages
• Cyberattacks
• Labor disputes
• Equipment failures

19. Changes to Services and Terms

Home PropLock reserves the right to:

• Modify services.
• Add or remove features.
• Adjust pricing.
• Update these Terms and Conditions.

Changes become effective upon posting to the website.

20. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of Illinois, without regard to conflict-of-law principles.

21. Dispute Resolution

Any disputes arising from these Terms or the use of Home PropLock services shall first be attempted to be resolved through good-faith negotiations.

If a dispute cannot be resolved, it shall be subject to the jurisdiction of the state or federal courts located in Illinois.

22. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.

23. Entire Agreement

These Terms and Conditions constitute the entire agreement between you and Home PropLock regarding the use of the website and services.