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Legal

Terms of Service

Last updated September 30, 2026

1. Appointment as agent

You appoint Emboss LLC (“Emboss”) as your agent for the limited purpose of submitting appraisal data on your behalf to government-sponsored enterprise (“GSE”) services, including data validation and compliance-checking services, and receiving the results on your behalf.

2. Third-party GSE services

Certain features use services operated by Freddie Mac, Fannie Mae, or other GSEs (“GSE Services”). Their availability is controlled by those parties. They may be changed, limited, suspended, or retired at any time, without notice to you, and Emboss is not responsible for that.

3. Permitted use of GSE results

Results returned by a GSE Service (“GSE Results”) are provided to you only to help you assess whether your appraisal data may conform to the Uniform Appraisal Dataset technical specifications. You may not copy, distribute, resell, sublicense, publish, or otherwise make GSE Results available to any third party, or use them outside the Service. You may not provide GSE Results, or messages based on them, to consumers or borrowers.

4. No approval or guarantee

GSE Results are an automated data check only. They are not an appraisal review, not an approval or acceptance of any appraisal or loan by any GSE or lender, not a commitment by any party to purchase or guarantee any mortgage, and not a determination of compliance with any law, regulation, or professional standard, including USPAP. You remain solely responsible for your appraisals and your compliance.

5. Disclaimer of warranties

THE SERVICE, GSE SERVICES, AND GSE RESULTS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” EMBOSS AND EACH GSE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. NEITHER EMBOSS NOR ANY GSE WARRANTS THAT GSE RESULTS ARE ACCURATE, COMPLETE, OR ERROR-FREE.

6. Limitation of liability

  • NO GSE LIABILITY. NO GSE HAS ANY LIABILITY TO YOU ARISING OUT OF OR RELATING TO GSE SERVICES OR GSE RESULTS.
  • NO INDIRECT DAMAGES. NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, UNDER ANY THEORY, EVEN IF ADVISED OF THEIR POSSIBILITY.
  • GENERAL CAP. EACH PARTY’S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE FEES YOU PAID EMBOSS IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR $100 IF GREATER.
  • DATA SECURITY CAP. LIABILITY FOR A PARTY’S BREACH OF ITS DATA-SECURITY OBLIGATIONS IS CAPPED SEPARATELY AT THREE TIMES (3X) THE GENERAL CAP.
  • NO CAP FOR: A PARTY’S WILLFUL MISCONDUCT, FRAUD, OR MALICIOUS ACTS; YOUR PAYMENT OBLIGATIONS; AND YOUR INDEMNITY FOR MISUSE UNDER CLAUSE 9.

7. Data submitted to GSEs

When you use GSE Services, the appraisal data you submit is sent to the relevant GSE. It may be retained and used by that GSE for its own purposes, including analytics and quality control, and shared with its regulator (FHFA) and other government agencies, under that GSE’s terms.

8. Account security and location

  • Each login is for one named individual and may not be shared.
  • You must tell us promptly if you believe your login has been compromised.
  • You may access GSE Services and GSE Results only while physically located in the United States.
  • Firm owners must remove departing users promptly.

8A. Your devices, downloads, and exports

Once you download, export, print, email, screenshot, or otherwise copy any report, file, photo, GSE Result, or other data out of the Service, that copy is in your sole possession and control. You are solely responsible for protecting it and for any loss, theft, or unauthorized access to it. That includes copies on your computers, phones, removable media, email, and cloud accounts, and those of your employees and contractors. This responsibility covers encryption, device security, retention, and disposal under USPAP, GLBA, and applicable privacy law, and any notice owed to individuals, clients, or regulators. Emboss is not responsible for any security incident involving data outside the Service. You will notify Emboss promptly if such an incident involves GSE Results or Service login credentials.

9. Indemnities

You indemnify Emboss against third-party claims, losses, and costs (including reasonable attorneys’ fees) arising from:

  • (a) your or your users’ misuse of the Service, GSE Services, or GSE Results, or breach of these terms
  • (b) any security incident caused by your or your users’ failure to meet clauses 8 and 8A, such as shared or unprotected logins, compromised devices, or not removing departing users
  • (c) any willful, malicious, or fraudulent act by you, your users, or your contractors
  • (d) your appraisals and the reports you sign and deliver
  • Emboss indemnifies you against third-party claims that the Service infringes their intellectual property, and against claims arising from a security breach of Emboss’s own systems caused by Emboss’s failure to meet its security obligations.
  • Both indemnities are subject to clause 6, except (c), which has no cap.

11. AI-drafted content

  • Drafts only. The Service can draft narrative text with artificial intelligence. Drafts are suggestions: they may be incomplete or wrong, and they are never an opinion of value or a professional conclusion.
  • Who is responsible. The appraiser who signs a report is responsible for reviewing, editing, and adopting every word in it. The firm’s owner and chief appraiser are responsible for their firm’s review process and for work delivered under the firm’s name.
  • No warranty on AI content. Emboss makes no warranty about AI-drafted content and is not responsible for how it is used.

12. Your data

  • You own it. You own your data: reports, photos, files, and anything you or your users enter or upload. Emboss holds and processes it only to provide, secure, and support the Service, and as these terms and the law require.
  • No AI training. Emboss does not use your data to train artificial intelligence models, and our AI providers are contractually barred from training on it.
  • Aggregated statistics. We may use de-identified, aggregated statistics (such as counts and timings) to run and improve the Service. They never identify you, a property, or a person.
  • Subprocessors. Our current subprocessors are listed in the Privacy Policy.

13. Cancellation, export, and deletion

  • Grace period. When your subscription ends, your account turns read-only for fourteen (14) days. You can sign in and export everything.
  • Reactivation. If you reactivate within those 14 days, everything stays exactly as it was.
  • Courtesy export. When you cancel, we send you a courtesy export of your data. It’s a secure, sign-in-protected download link that expires at the end of the grace period, not an email attachment.
  • Deletion. After day 14 your data is deleted from the Service. Copies in backups are overwritten on their normal cycle, within 30 days. Data under a legal hold or a law requiring us to keep it is the only exception.
  • Your retention duties. Keeping appraisal workfiles for the periods USPAP and the law require is your responsibility. Emboss has no duty to keep or return data after the grace period, and no liability for data deleted as described here.

14. Emboss’s security commitments

Emboss will:

  • keep reasonable administrative, technical, and physical safeguards
  • encrypt your data in transit and at rest
  • host it in the United States
  • notify you without undue delay and as the law requires if your data is involved in a security incident (white-label and AMC customers have their own notice terms in their agreement)

15. Governing law and disputes

  • Law. Florida law governs these terms, without regard to conflict-of-law rules.
  • Courts. Disputes go exclusively to the state courts in Pinellas County, Florida, or the United States District Court for the Middle District of Florida, and both parties consent to that jurisdiction.