CASABROVA Terms of Use - v2.6 US/Delaware

Version: v2.6 Date: 2026-10-14 These Terms govern access to and use of the service currently offered under the CASABROVA brand at casabrova.com and related subdomains, applications, forms, APIs and product surfaces (the "Service").

1. Operator, Acceptance and Definitions

1.1 Operator

For purposes of these Terms, Casabrova, Inc. is the operator of the Service and the contracting party (the "Operator"). "Operator", "we", "us" and "our" refer to Casabrova, Inc. and to any permitted successor that assumes these Terms by notice.

The public brand name "CASABROVA" identifies the Service. The contracting party is the Operator identified above.

If a successor entity assumes the Service, we may assign and novate these Terms to that successor by giving notice on the Service and, where reasonably available, by email to account holders. Continued use after the effective date stated in the notice constitutes acceptance of the novation.

1.2 Acceptance

You accept these Terms when you create an account, tick an acceptance checkbox, submit a form, request an introduction, purchase a paid product, access a gated feature, or otherwise use the Service after a notice that these Terms apply. Where technically available, we record the document version, timestamp, locale, source flow and identifier associated with acceptance.

If you do not agree to these Terms, do not use the Service.

1.3 Definitions

"Advertiser" means any third-party business, professional, developer, broker, agency, lawyer, tax adviser, immigration adviser, property manager, money-transfer provider or other service provider listed, profiled, promoted or introduced through the Service.
"Advertiser Agreement" means the commercial agreement governing Advertisers' use of the Service.
"Content" means data, text, scores, indices, charts, verdicts, simulations, editorial material, listings data, market analytics and other material made available through the Service.
"Data Processing Addendum" or "DPA" means the data-protection terms incorporated into the Advertiser Agreement.
"Developer" means an Advertiser that develops, constructs or sells residential property as a principal (for example, a property developer marketing units in its own project). It does not include brokers, agents or other service providers.
"Listings Data" means third-party property listing information aggregated from publicly accessible property portals or supplied by Advertisers or users.
"Mediated Inbox" means the Service's audited communications layer through which a User and an Advertiser may correspond before any identity or contact release.
"Price List" means the then-current prices, plans, product descriptions and payment terms displayed on the Service, checkout page, billing portal or written order.
"Recipient Categories" means the categories disclosed to the User at submission, such as property developers, real-estate brokers, real-estate lawyers, immigration lawyers, tax advisers, accountants, immigration advisers, international money-transfer providers and property-management providers.
"User" means any person or entity using the Service.
"User Inquiry" or "Inquiry" means a contact, introduction, referral, wizard, lead, developer-contact, partner-introduction or service-provider request submitted through the Service.
"User Release" means the User's affirmative act, inside the Service or a recorded consent flow, releasing the User's identity or contact details to one specific Advertiser for one specific Inquiry.
"UGC" means user-generated content, including forum posts, replies, reviews and other material submitted by users for display.

1.4 Due diligence wording

Where the words "due diligence" appear in the Service's name, branding, page titles or Content, they refer only to market-level economic, regulatory and comparative analytics. They do not mean transaction-level, property-level, title, permit, contractual, counterparty, valuation, engineering, tax or legal due diligence. You must obtain those checks from qualified local professionals before any transaction.

2. Eligibility

The Service is intended for users who are at least 18 years old, or the age of majority in their jurisdiction if higher. By using the Service, you represent that you meet this requirement.

If you use the Service on behalf of an entity, you represent that you are authorized to bind that entity, and "you" includes that entity.

3. Nature of the Service

3.1 What the Service is

The Service is a private market-intelligence and advertising platform for cross-border residential real estate. It offers market analytics, scores and indices, cycle-phase analysis, market and neighborhood data, simulators, calculators, editorial content, aggregated Listings Data, directories of third-party Advertisers, paid profiles, user forums and introduction tools.

3.2 What the Service is not

The Operator and the Service are not:

a real-estate broker, agent or transaction intermediary;
an investment adviser, financial adviser, legal adviser, tax adviser, accountant or regulated adviser;
a party to any transaction between you and any Advertiser, seller, buyer, professional or other user;
a holder, transmitter or handler of deposits, escrow, client money, settlement funds or property-transaction funds; or
a guarantor of any listing, advertiser, professional, service, property, price, yield, license, transaction, outcome or investment result.

3.3 Purpose

The Service helps users compare residential real-estate markets, understand market-level risks and opportunities, locate possible purchase opportunities, and identify categories of third-party businesses or professionals the user may choose to contact. The Content is informational and analytical only.

3.4 Multi-jurisdiction savings

These Terms are governed by Delaware law and applicable U.S. federal law as stated in Section 14. Nothing in these Terms limits rights that cannot be waived under the mandatory law of your place of residence. Where the Operator processes the personal data of individuals in the EU/EEA or the UK, it complies with the GDPR and UK GDPR; where it deals with consumers, it honors the mandatory consumer-protection laws of their country of residence (EU/EEA, UK, Israel, and applicable U.S. state law).

4. Analytical Opinions and Investment-Risk Disclaimer

4.1 Opinions, not advice

Scores, indices, cycle-phase labels, analyst views, rankings, strategy discussions, market verdicts, editorial content and similar Content are analytical opinions and research outputs. They are general in nature, are not tailored to your personal circumstances, and are not investment, financial, legal, tax, accounting or professional advice.

4.2 No recommendation

No Content is a recommendation, solicitation, offer, broker opinion, valuation, transaction instruction or substitute for advice from qualified local professionals. You make every decision at your own risk.

4.3 Hypothetical outputs

Any model portfolio, simulator, calculator, backtest, scenario, projection, yield estimate, cash-flow estimate, tax estimate, mortgage estimate, currency conversion or performance figure is hypothetical and may be wrong. Past performance and hypothetical performance are not indicators of future results.

4.4 Real-estate risk

Cross-border real-estate investment carries significant risks, including market, liquidity, currency, regulatory, tax, title, permit, construction, counterparty, financing, political and enforcement risks. Loss of capital is possible.

5. Data Quality, AI-Assisted Estimates and Updates

Content is provided for general information. Figures are indicative only and may be inaccurate, incomplete, delayed or unavailable.

Some data sets may be produced or assisted by AI-based research and estimation. Such outputs are approximations, not measurements, and should be verified independently.

The Service's scores, indices and derived metrics are proprietary computations from public, official, institutional, licensed or user-supplied sources. Methodology summaries may be provided, but formulas, weights and internal processes remain proprietary.

Tax, regulatory, market and yield data change frequently. The Operator is not responsible for changes not yet reflected in the Service.

6. Accounts and Sign-Up Consent

Some features require an account. You must provide accurate information, keep credentials confidential, and promptly notify us of suspected unauthorized use.

The account sign-up flow must link to these Terms and the Privacy Policy and record versioned acceptance where technically available. If a sign-up, lead, wizard, checkout, advertiser, provider or referral flow collects additional consent, that flow may require a separate checkbox or recorded consent event.

Account deletion and privacy-rights requests are handled under the Privacy Policy and the DPO/privacy request route at /legal/dpo.

7. Third-Party and Advertiser Content

7.1 Advertisers are independent third parties

The following advertiser provisions are incorporated verbatim and govern this Section:

Businesses listed on CASABROVA, including developers, brokers, lawyers, service firms and other professionals, are advertisers and independent third parties. They are not partners, agents, representatives, employees or endorsers of CASABROVA.

Their profiles, listings, offers, articles, placements and other content are advertising or advertiser-supplied content, even when CASABROVA displays them in a directory, profile, featured slot or sponsored placement.

CASABROVA does not vet, endorse, supervise or guarantee any advertiser, professional, service, product, price, quality, performance, availability, legality, license status, consideration, commission, fee or outcome, and CASABROVA is not responsible for any act, omission, statement, service, product or transaction involving them.

All content and introductions are provided without any warranty of any kind. Users must perform their own due diligence, verify licenses and terms independently, and engage their own legal, tax, financial, technical and local advisors before acting.

7.2 Sponsored labeling

Paid placements, paid profiles and other advertising surfaces must carry a visible sponsored or advertising marker in the user's display language. A paid placement is advertising, not an endorsement, ranking or quality signal by the Operator.

7.3 Listings Data

Listings Data may come from public portals, Advertisers or users. The Operator is not the advertiser, broker or seller of any listed property and does not represent that any listing is current, accurate, lawful, available or complete. Portal-sourced listings should include source attribution or a source link where available.

7.4 No professional relationship

Contacting an Advertiser through the Service creates no attorney-client, fiduciary, advisory, brokerage or other professional relationship with the Operator. Any relationship with an Advertiser is formed directly between you and that Advertiser, on that Advertiser's terms.

7.5 Reviews

Where reviews are enabled, reviews are UGC. They express the reviewer's own views, not the Operator's view. The Operator may moderate, refuse, remove, restrict or demote reviews and may suspend an Advertiser's placements where justified.

8. VERIFIED Badge

The following disclaimer is incorporated verbatim and governs every use of the VERIFIED badge:

The CASABROVA VERIFIED badge is not the outcome of legal due diligence. It constitutes, at most, confirmation that the service provider or seller has presented to CASABROVA documents attesting to their identity, including their corporate identity where applicable, and to their being as represented. We recommend obtaining advice from a local lawyer experienced in the relevant practice area.

VERIFIED is point-in-time, binary and limited; it is available only to paying business customers (a fee applies); and it may be withdrawn at the Operator's discretion. It is not a recommendation, endorsement, quality, creditworthiness, technical or transactional assessment. On compact surfaces (cards, lists, map pins) the badge links to or expands the full disclaimer within one interaction. Users must still obtain advice from qualified local professionals.

9. User Inquiries, Lead Routing and Consent

9.1 Scope

This Section governs contact forms, wizard leads, developer-contact forms, project inquiries, partner-introduction requests, service-provider referrals and similar User Inquiries.

9.2 User request

When you submit a User Inquiry, you ask the Service to route or display your request to one or more relevant Recipient Categories, subject to the consent and release rules in this Section and the Privacy Policy.

9.3 Routing is advertising allocation

Routing, sequencing, recycling, exclusivity windows, category allocation and sponsored placement are advertising-allocation mechanics between the Operator and Advertisers. They are not legal, tax, investment, brokerage or transaction advice; they do not rank Advertisers by quality; and they do not restrict your freedom to contact any business or professional independently.

9.4 Recipient categories

At submission, the Service must disclose the relevant Recipient Categories. You consent by category, not by unidentified company. A specific Advertiser receives your identity or contact details only after User Release.

9.5 Mediated and pseudonymized phase

Before User Release, an Advertiser may receive only a mediated, pseudonymized Inquiry passport or coarse traits, such as target market, budget band, asset type, timing, language or service need. The Advertiser must not receive your name, email, phone number or directly identifying details during this phase.

9.6 User Release controls identity disclosure

Your identity and contact details are released to an Advertiser only after your affirmative User Release to that specific Advertiser for that specific Inquiry. An Advertiser's expression of interest, engagement click, response or willingness to work the Inquiry does not itself release your identity or contact details.

Each User Release is recipient-specific. A release to one Advertiser does not release your details to another Advertiser. If an Inquiry is recycled or offered to another Advertiser, a separate User Release is required before that other Advertiser receives identifying details.

The identity-gated release mechanism is marked Patent Pending - U.S. Provisional App. No. 64/090,634.

9.7 U.S. opt-out gate

If you are a U.S. resident, routing or releasing an Inquiry to developers, brokers or other businesses may be treated as a "sale" or "sharing" under certain U.S. state privacy laws. Before any identity/contact release, the Service must check your opt-out status, including Global Privacy Control where required. If a valid opt-out applies, your identity and contact details must not be released for a sale/share purpose unless you later give a valid opt-in or release permitted by law.

9.8 Safety and transfer gate

Before User Release, the Service should check the scope and validity of consent, Recipient Category, opt-out status, age/account requirements, cross-border transfer basis, DPA/Advertiser Agreement status, and any category-specific eligibility gate. If the gate fails, identifying details are not released.

9.9 Per-inquiry record

The Service keeps a per-inquiry record of consent, Recipient Categories, routing, release decisions, opt-out status, withdrawal, recycle events and relevant audit events, subject to the Privacy Policy.

9.10 Withdrawal, recycle and no reversal

You may withdraw consent for future routing or releases. Withdrawal stops future release or routing where technically and legally possible, but it cannot reverse a release already made to an Advertiser.

If an Advertiser does not take up an Inquiry or the relevant working window expires, the Inquiry may be recycled to another Advertiser in the same Recipient Category. A fresh User Release is required before the new Advertiser receives your identity or contact details.

9.11 Service-provider lane

Professional-service referrals may show a limited number of paid or verified professional profiles. You may contact any number of providers. Unless expressly stated, there is no exclusivity in the service-provider lane.

10. Intellectual Property and Acceptable Use

The Service, Content, design, methodology, scoring, formulas, weights, data models, workflows, software, databases, trade secrets, branding and documentation are owned by the Operator or licensors.

You receive only a limited, revocable, non-transferable right to use the Service for lawful personal or internal business purposes.

You must not copy, scrape, bulk download, reverse engineer, extract, train models on, resell, republish, frame, bypass access controls, attack, interfere with, or misuse the Service or Content except as expressly permitted in writing.

11. User Content and Moderation

You are responsible for UGC you submit. You must not submit unlawful, infringing, defamatory, misleading, discriminatory, harassing, spam, advertising, confidential, personal-data-abusive or security-abusive content.

Forum content is public where displayed as public. It may be indexed, quoted, moderated, translated or removed. Translations may be inaccurate; the original controls.

The Operator may remove, restrict, demote or refuse UGC; restrict or terminate forum access; and provide statements of reasons or review mechanisms where required by applicable law.

12. Payments and Commercial Products

Paid products may include advertiser subscriptions, sponsored placements, listings, verification fees, professional profiles, single-listing products or other products described in the Price List.

The Price List or checkout page states the applicable price, tier, product composition, renewal period, taxes and payment processor or merchant of record. These Terms state no fixed prices.

Payments may be processed by Stripe or another disclosed payment processor or merchant of record. The payment provider's terms apply to the payment transaction. The Operator does not store full card details.

Unless the checkout states otherwise, paid business products renew automatically and cancel at the end of the paid period. Fees are non-refundable except where mandatory law requires otherwise.

For any consumer digital product supplied immediately, the checkout must show any required immediate-supply consent, withdrawal waiver or cancellation notice before purchase.

13. Liability and Indemnity

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, and non-waivable consumer rights in your country or state of residence. Those non-waivable rights include, where applicable and side by side, rights under EU/EEA law (including Rome I Article 6, the Brussels Ia consumer-jurisdiction rules, the EU ODR platform and competent national consumer-ADR bodies), UK law, the Israeli Consumer Protection Law, 5741-1981, and applicable U.S. federal and state law (including FTC/state UDAP protections and qualifying small-claims options). None of those rights is displaced by Delaware law, U.S. federal law, or the arbitration clauses in Section 14.

The Service and Content are provided "as is" and "as available", without warranties of accuracy, completeness, timeliness, merchantability, fitness for a particular purpose, non-infringement, availability or suitability.

To the maximum extent permitted by law, the Operator is not liable for decisions you make in reliance on the Service or for dealings with Advertisers or other third parties.

To the maximum extent permitted by law, the Operator is not liable for indirect, incidental, special, consequential, punitive or exemplary damages, or loss of profit, revenue, opportunity, goodwill or data.

Subject to non-waivable law, aggregate liability for all claims in any 12-month period is limited to the greater of: (a) amounts you paid to the Operator for the Service in that period; and (b) USD 100.

You will indemnify the Operator and permitted successors from third-party claims, damages and costs arising from your UGC, breach of these Terms, unlawful use of the Service or misuse of Content.

14. Governing Law and Disputes

14.1 Law and how disputes are resolved

These Terms and any non-contractual obligations arising from them are governed by the laws of the State of Delaware and applicable U.S. federal law, excluding conflict-of-law rules. Mandatory rights that cannot be waived under the law of your place of residence remain available, and nothing in this Section displaces them.

Disputes are resolved through one staged process — direct negotiation, then mandatory mediation, then, only if needed, binding online arbitration — administered by the Arbitration Court attached to the Economic Chamber of the Czech Republic and the Agricultural Chamber of the Czech Republic (the "CAC"). The same staged process applies to disputes between you and the Operator (Section 14.2) and to disputes between a User and a Developer (Section 14.3). The legal seat (place) of every arbitration under this Section 14 is Prague, Czech Republic, regardless of where hearings are held or where the parties participate online. Delaware law governs the substance of these Terms and the User–Operator relationship; the substantive law of a User–Developer property dispute is determined under Section 14.3(e).

14.2 Disputes between you and the Operator

(a) Step 1 — Negotiation (30 days). Either party may begin by sending a written notice of dispute; the parties then try in good faith to resolve it directly for 30 days.

(b) Step 2 — Mandatory mediation (45 days). If it is not resolved within those 30 days, the dispute goes to non-binding mediation administered by the CAC, before one mediator the CAC appoints, conducted online, for up to 45 days. If the parties settle, the settlement may be recorded as a consent award.

(c) Step 3 — Arbitration. If the dispute is not settled within the 45-day mediation period — or earlier, if the mediator declares an impasse or a party does not participate — it is finally resolved by binding individual arbitration administered by the CAC under its Rules, including its online-arbitration rules, before one arbitrator who did not serve as the mediator, in English, online or on documents only (documents only for smaller amounts).

(d) Online; separate mediator and arbitrator. Every stage is conducted online with no required in-person appearance. The CAC appoints the neutrals, and neither the Operator nor its founder may act as mediator or arbitrator. The same person may not serve as both mediator and arbitrator in connection with the same dispute, and anything disclosed in the mediation is confidential and may not be used in the arbitration. The parties may instead, by mutual written agreement, appoint a mediator or arbitrator of their choice or use a different institution.

(e) Urgent interim relief. Either party may seek urgent interim, protective or injunctive relief at any time — without first completing Steps 1–2 and without waiving arbitration — from any court of competent jurisdiction, including the courts where the property or the relevant assets are located. Once constituted, the arbitrator may also grant, vary or confirm interim measures to the extent the law of the seat allows.

(f) Preserved rights. Nothing here removes a consumer's non-waivable right to bring the dispute in the courts of their country of residence, or any qualifying small-claims option. In-rem property or title matters are decided by the courts where the property is located. Disputes are resolved individually; no class, collective, consolidated or representative actions — and if that waiver is unenforceable for a claim, the arbitration agreement is void only as to that claim.

14.3 User–Developer Mutual Arbitration

This clause applies only between a User and a property Developer, for disputes arising out of or relating to an introduction, inquiry, referral, engagement, communication or transaction facilitated through the Service. It does not apply to brokers or other Advertisers. The Operator is not a party to these disputes. This clause is identical in the Terms of Use and the Advertiser Agreement, so that the User's consent (given in the Terms of Use) and the Developer's consent (given in the Advertiser Agreement) form one and the same agreement to arbitrate between them; on request, the Operator can confirm that both accepted this identical clause.

(a) Mutual consent. The User and the Developer each give advance, reciprocal consent to resolve covered disputes between them through the staged process in this clause. Either party may invoke it against the other.

(b) Staged process. Step 1 — a written notice of dispute followed by 30 days of good-faith direct negotiation. Step 2 — if unresolved, mandatory non-binding mediation administered by the Arbitration Court attached to the Economic Chamber of the Czech Republic and the Agricultural Chamber of the Czech Republic (the "CAC"), before one CAC-appointed mediator, online, for up to 45 days. Step 3 — if not settled within the 45-day mediation period (or earlier, if the mediator declares an impasse or a party does not participate), binding individual arbitration administered by the CAC under its Rules, including its online-arbitration rules, before one arbitrator who did not serve as the mediator, in English, online or on documents.

(c) Online; separate mediator and arbitrator. Every stage is conducted online with no required in-person appearance. The same person may not serve as both mediator and arbitrator in connection with the same dispute, and anything disclosed in the mediation is confidential and may not be used in the arbitration. Neither the Operator nor its founder may act as mediator or arbitrator; the CAC appoints the neutrals. The User and the Developer may, by mutual written agreement, instead appoint a neutral of their choice or use a different institution.

(d) Urgent relief and preserved rights. Either party may seek urgent interim, protective or injunctive relief at any time, from any court of competent jurisdiction (including the courts where the property or relevant assets are located), without first completing Steps 1–2 and without waiving arbitration. Nothing here removes a consumer's non-waivable right to bring the dispute in the courts of their country of residence, or any qualifying small-claims option. In-rem property or title matters are decided by the courts where the property is located. Disputes are resolved individually; no class, collective, consolidated or representative actions; and if that waiver is unenforceable for a claim, the arbitration agreement is void only as to that claim.

(e) Seat and governing law of the dispute. The legal seat (place) of the arbitration is Prague, Czech Republic, regardless of where any hearing is held or where the parties participate online. The substantive law governing a dispute between a User and a Developer under this clause is the law the User and the Developer have agreed in their own agreement; absent such agreement, the law of the jurisdiction where the property is located; in each case subject to mandatory local law. This does not change the Delaware governing law of the platform agreements or of the User–Operator relationship.

15. Changes

We may amend these Terms, the Price List and referenced policies to reflect changes in law, the Service, products, processors, contacts or business model.

For material changes, we will give reasonable notice where practical. Non-material clarifications take effect on posting. Continued use after a change takes effect constitutes acceptance of the amended Terms.

16. General

These Terms, together with the Privacy Policy, Price List and any accepted flow-specific terms, form the agreement between you and the Operator regarding the Service.

If any provision is invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the rest remains in force.

No failure to enforce a right is a waiver.

You may not assign your rights without prior written consent. The Operator may assign these Terms to a permitted successor by notice.

The parties are independent. These Terms do not create a partnership, agency, employment, fiduciary or joint-venture relationship.

Sections that by nature should survive termination survive, including Sections 3, 4, 5, 7, 8, 9.9, 10, 11, 13, 14 and 16.

17. Notices and Contact

General, legal, copyright, illegal-content and platform notices may be sent to info@casabrova.com.

Privacy and data-subject requests should be sent to dpo@casabrova.com or submitted through /legal/dpo.

We give notices by posting on the Service and, where appropriate, by email to the address associated with your account.

18. Language

The Service and these Terms may be offered in multiple languages for convenience.

The English-language version controls unless mandatory law requires a local-language version to control, in which case it controls only to the extent required.