AdvisorCM

Terms of Service

Effective date: May 27, 2026

These Terms of Service (the “Terms”) govern your access to and use of the AdvisorCM platform at advisorcm.co (the “Service”), operated by CRE Capital Insights LLC (“AdvisorCM,” “we,” or “us”). By creating an account or otherwise using the Service, you agree to be bound by these Terms.

1. Eligibility and accounts

You must be at least 18 years old and capable of forming a binding contract to use the Service. The Service is intended for use by commercial real estate professionals in connection with their business activities.

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately at support@advisorcm.co if you suspect unauthorized access. Each account is for a single individual user. Account sharing is not permitted — additional users require their own accounts and subscriptions.

2. Subscription plans, billing, and auto-renewal

Plans

AdvisorCM offers a free tier and paid subscription plans (monthly and annual). The free tier provides access to deal management, the lender directory (without contact details for curated lenders), Smart Search (limited to 10 queries per calendar month), Quote Matrix Creator, data rooms, and daily updates. Paid plans unlock lender contact details, uncapped Smart Search, tear sheet downloads, and commentary attachments. Current pricing is published at advisorcm.co/pricing.

Billing and payment

Paid subscriptions are billed in advance through Stripe, our payment processor. By subscribing, you authorize us to charge your chosen payment method for the subscription fee and any applicable taxes.

Automatic renewal (important — please read)

Your subscription will renew automatically at the end of each billing period:

  • Monthly subscriptions renew every month at $249 USD per month.
  • Annual subscriptions renew every year at $2,490 USD per year.

We will charge your payment method on file on the renewal date unless you cancel before then. You can cancel at any time through your account page, which links to the Stripe customer portal. If we ever change the renewal price, we will notify you by email at least 7 days before the change takes effect.

Taxes

Prices listed do not include applicable sales, use, value-added, or similar taxes, which will be added at checkout where required by law.

3. Cancellation and refunds

You may cancel your subscription at any time through your account page. Cancellation stops future renewal charges. Access to paid features continues through the end of your current billing period (the remainder of the month for monthly subscriptions, or the remainder of the year for annual subscriptions).

We do not offer prorated refunds for unused time on cancelled subscriptions. If you cancel partway through a billing period, you will not receive a refund for the remaining time, but you will retain access through the end of that period.

We may, at our sole discretion, issue refunds in cases of duplicate charges, billing errors, or other circumstances we consider appropriate.

4. Acceptable use

You agree NOT to do any of the following:

  • Scrape, copy, or extract the lender directory in bulk, whether manually, by automated means (scripts, bots, browser automation), or by any other method. This does not restrict your own legitimate use of the Service in a manner consistent with normal individual business use through its provided interface — including viewing lender records, attaching them to your deals, and using the Service's built-in PDF/XLSX export features for your own deal reports.
  • Resell, redistribute, or sublicense any portion of the lender directory, lender contact details, quote observations, or other curated content to any third party.
  • Share your account credentials with anyone else, or allow multiple individuals to access the Service under a single account.
  • Access the Service via automated means except through interfaces we explicitly authorize (such as our Model Context Protocol server with your individual OAuth credentials).
  • Reverse-engineer, decompile, or attempt to extract source code from the Service.
  • Interfere with or disrupt the Service, our infrastructure, or other users' access — including by transmitting malware, conducting denial-of-service attacks, or exploiting vulnerabilities.
  • Use the Service to violate any applicable law, including securities laws, anti-fraud laws, consumer protection laws, and intellectual property laws.
  • Misrepresent your identity or impersonate another person or entity when using the Service.
  • Upload content that violates third-party rights, including confidentiality agreements you have with lenders, borrowers, or other counterparties.

Violation of any acceptable-use provision may result in immediate suspension or termination of your account without refund and may give rise to legal claims.

Your responsibility for sharing decisions

You are responsible for determining which recipients you invite to a data room, what files and information you choose to share through the Service, and the appropriateness of those sharing decisions given any confidentiality or other obligations you owe to lenders, borrowers, or other counterparties. We provide the tools; you decide who gets access to what.

5. Intellectual property

The Service, including the lender directory, software, design, text, graphics, and all other content provided by AdvisorCM (collectively, the “AdvisorCM Content”), is owned by CRE Capital Insights LLC and is protected by copyright, trademark, trade secret, and other intellectual property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your internal business purposes during the term of your subscription. This license does not include the right to extract, copy, or redistribute the AdvisorCM Content beyond your own use of the Service as intended.

6. Your content and deal data

You retain all rights to the content you create or upload to the Service, including your deals, notes, uploaded documents, data room files, and any other materials you input (collectively, “Your Content”).

You grant us a limited license to host, store, transmit, and display Your Content solely as needed to provide the Service to you. We will not sell Your Content, share it with other users without your explicit action (e.g., creating a data room), or use it for advertising or marketing purposes.

Deidentified and aggregated data

We may derive deidentified and aggregated data from usage of the Service (e.g., market-level pricing trends, parsed term-sheet characteristics, overall lender activity patterns) where information that could reasonably identify you, your firm, or your clients has been removed or obfuscated. We may use such deidentified and aggregated data to improve the Service, generate aggregate market insights, and inform our own product development. We apply commercially reasonable techniques to deidentify the data and will not attempt to re-identify it.

Data export and deletion on termination

You may request a copy of Your Content at any time by emailing support@advisorcm.co. Upon cancellation of your subscription, Your Content remains accessible through your account during any wind-down period described in our cancellation terms. If you delete your account, we will delete Your Content within 30 days, except where retention is required by law or by legitimate business need (e.g., transaction records, fraud-prevention logs). See our Privacy Policy for additional detail on retention.

7. AI features and how we use your data

The Service includes AI-powered features, specifically Smart Search (natural-language lender recommendations) and the Quote Matrix Creator (AI extraction of pricing terms from PDF/Word term sheets). These features send the relevant content (your search query and/or the term-sheet document you upload) to our AI subprocessor, Anthropic, PBC, for processing.

Anthropic does not train its models on data sent to its commercial API.This is a contractual commitment in Anthropic's Commercial Terms of Service (the standard terms governing API usage). The content sent to Anthropic for Smart Search and Quote Matrix processing is used solely to generate a response and is not retained for model training.

We do not currently use Your Content to train our own AI models. We do not currently build proprietary AI models intended for general commercial use from your deals, notes, uploaded documents, or lender outreach data, and we do not sell or license Your Content to any third party for AI training purposes.

AI-generated output is not legal, financial, or investment advice. Smart Search recommendations and Quote Matrix extractions are informational outputs of an AI model and may be inaccurate, incomplete, or out of date. You are responsible for independently verifying any AI-generated information before relying on it for business or legal decisions.

8. Confidentiality

Certain content within the Service — including monthly lender quote survey data and other confidentially-sourced market intelligence — is provided to us under confidentiality obligations to the contributing parties. You agree that you will treat such content as confidential, will not redistribute it, and will use it only for your own deal analysis within the Service.

9. Warranty disclaimer

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” without warranties of any kind, whether express or implied. To the maximum extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade.

We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components, nor that the information presented (including lender contact details, tear sheets, quote data, or AI-generated recommendations from Smart Search) will be accurate, complete, or current. You are responsible for independently verifying any information before relying on it for business or legal decisions.

No professional advice.The Service and all content provided through it — including the lender directory, contact details, tear sheets, quote data, commentary, Smart Search recommendations, Quote Matrix outputs, and any other content — are for informational purposes only and do not constitute legal, financial, investment, brokerage, accounting, tax, lending, or other professional advice. You are solely responsible for evaluating and verifying any information before relying on it in connection with a transaction, financing decision, or other business decision. Your use of the Service does not create any fiduciary, advisory, agency, or broker-client relationship between you and AdvisorCM.

Beta and preview features.From time to time we may offer beta, preview, or experimental features (including new AI-powered tools). Such features are provided “as is,” may be modified or discontinued at any time without notice, may behave differently from documented behavior, and may be subject to additional limitations.

Third-party services. Certain features of the Service depend on third-party providers (including the providers identified in our Privacy Policy). We are not responsible for outages, errors, delays, data loss, or security incidents caused by third-party services outside our reasonable control.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ADVISORCM OR ITS OFFICERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, including lost profits, lost business opportunities, lost revenue, lost data, or business interruption, arising out of or related to these Terms or the Service, even if we have been advised of the possibility of such damages.

OUR TOTAL CUMULATIVE LIABILITY arising out of or related to these Terms or the Service WILL NOT EXCEED THE AMOUNTS YOU PAID TO US IN THE 12 MONTHS IMMEDIATELY PRECEDING the event giving rise to the claim, or, if no amounts were paid, $100 USD.

Exceptions to the liability cap. The above limitations and the 12-month cap do NOT apply to:

  • Your obligation to pay fees that are due and owing;
  • Your indemnification obligations under Section 11;
  • Either party's violation of the other party's intellectual property rights;
  • Your violation of Section 4 (Acceptable use);
  • Either party's breach of confidentiality obligations under Section 8;
  • Damages caused by gross negligence, fraud, or willful misconduct; and
  • Any other liability that cannot be excluded or limited under applicable law.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.

11. Indemnification

You agree to indemnify, defend, and hold harmless AdvisorCM and its officers, employees, contractors, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Service in violation of these Terms; (b) Your Content; (c) your violation of any applicable law; or (d) your infringement or alleged infringement of any third party's rights.

12. Termination

You may terminate your account at any time by cancelling your subscription and emailing us to request account deletion. We may suspend or terminate your account at any time, with or without notice, if we reasonably believe you have violated these Terms, including the acceptable-use provisions in Section 4.

Upon termination, your right to access the Service ends immediately. Sections that by their nature should survive termination (including intellectual property, confidentiality, disclaimer, limitation of liability, indemnification, and governing law) will survive.

13. Copyright and DMCA notice

We respect intellectual property rights and respond to clear and complete notices of alleged copyright infringement consistent with the Digital Millennium Copyright Act (“DMCA”, 17 U.S.C. § 512). If you believe content uploaded to the Service (for example, a document shared through a Data Room) infringes your copyright, please send a written notice to support@advisorcm.co containing all of the following:

  • A physical or electronic signature of the copyright owner or someone authorized to act on their behalf;
  • Identification of the copyrighted work claimed to have been infringed;
  • Identification of the material claimed to be infringing and information reasonably sufficient to allow us to locate the material (such as the URL or data room reference where it appears);
  • Your contact information (address, telephone, email);
  • A statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • A statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

We may remove allegedly infringing material upon receiving a valid DMCA notice and may terminate the accounts of users who are repeat infringers. If you believe content was removed in error, you may send a counter-notice with the information required by 17 U.S.C. § 512(g) to the same email address.

14. Governing law and dispute resolution

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles.

Any dispute, claim, or controversy arising out of or related to these Terms or the Service will be resolved exclusively by binding arbitration administered by JAMS in Sacramento, California, in accordance with its Streamlined Arbitration Rules. The arbitrator's decision will be final and binding. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver: you and AdvisorCM agree that any arbitration or proceeding will be conducted on an individual basis only and not as a class, collective, or representative action. To the extent class action waivers are not enforceable, the arbitration agreement is severable from the rest of these Terms.

Jury trial waiver: YOU AND ADVISORCM EACH WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Notwithstanding the above, either party may bring an individual action in small claims court for disputes within that court's jurisdiction. We may also seek injunctive or equitable relief in any court of competent jurisdiction to protect our intellectual property and confidential information.

15. Changes to these Terms

We may update these Terms from time to time. Material changes will be communicated by email to account holders at least 7 days before taking effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

16. General provisions

  • Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and AdvisorCM regarding the Service.
  • Severability. If any provision is found unenforceable, the remaining provisions will continue in full force and effect.
  • No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
  • Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
  • No third-party beneficiaries. These Terms do not create any rights in any third party.
  • Force majeure. Neither party is liable for any failure to perform due to causes beyond its reasonable control.

17. Contact

For questions about these Terms, please contact:

CRE Capital Insights LLC
Email: support@advisorcm.co