Terms of Service
Effective date: 13 August 2026
1. Agreeing to these terms
By using this website, joining the waitlist, or using NoteGage, you agree to these terms. If you don't agree, don't use the service.
You must be at least 18 years old to use NoteGage.
2. Who we are
NoteGage (“we,” “us”) operates this website and service. Reach us at hello@notegage.com.
3. What NoteGage is
NoteGage is software that analyses mortgage-note listings and publicly listed loan data. It scores a note deal from 0 to 100 using a deterministic rubric, and cross-checks a seller's stated claims against independent public records, flagging fields where the two disagree.
NoteGage is in early access. Features may change, and some described on this site may not be available yet.
4. This is not professional advice
NoteGage produces analysis of publicly listed loan data. It is not legal, tax, or investment advice, and does not replace title work, a collateral-file review, or a licensed appraisal.
In practice:
- Our output is informational. It's a starting point for your own diligence, not a conclusion you can act on directly.
- Verify before you rely on it. Public records can be incomplete, out of date, or wrong. Listing data may be inaccurate. Automated valuations are estimates, not appraisals. A score is a triage signal for comparing listings — not a recommendation to buy, and not a statement that a deal is sound.
- Your decisions are yours. We're not your advisor, broker, agent, or fiduciary, and using NoteGage doesn't create any of those relationships.
- Involve qualified professionals. Before committing capital, consult the attorneys, title companies, appraisers, and tax advisors your situation calls for.
5. Early access
NoteGage is in active development. That means:
- Features may change, be added, or be withdrawn without notice
- We don't guarantee uptime or uninterrupted access
- Scoring methodology and rubric weights may change as the product develops
- We may limit, suspend, or discontinue any part of the service at any time
If you have an account, you're responsible for keeping your login secure. Tell us at hello@notegage.com if you think it's been compromised.
6. What you agree not to do
Don't:
- Scrape or crawl the site or service with automated tools, except as our robots.txt permits
- Resell or redistribute our output as your own product
- Reverse engineer our software or try to derive our scoring methodology
- Use the service to break the law or violate anyone's rights
- Interfere with the service or try to gain unauthorised access to it
- Upload documents you don't have the right to share
- Use the service to harass, defraud, or harm anyone
We can suspend or end your access if you do any of these.
7. Ownership
We own the NoteGage name, website, software, scoring rubric, and methodology.
You keep ownership of anything you upload or submit. By submitting it, you give us permission to use it as needed to provide the service to you.
You can use our output for your own business purposes. You can't republish it, resell it, or present it as your own product.
8. No warranties
The service is provided “as is,” without warranties of any kind.
We specifically don't warrant the accuracy, completeness, timeliness, or reliability of any data, score, valuation, public record, or analysis the service produces. Public records, listing data, and third-party sources may be inaccurate, incomplete, or out of date.
We don't warrant that the service will be uninterrupted or error-free.
Some states don't allow certain warranty exclusions, so parts of this may not apply to you.
9. Limits on our liability
To the fullest extent the law allows:
- We're not liable for indirect, incidental, special, or consequential damages — including lost profits, lost investment returns, or lost business opportunities.
- We're not liable for any investment decision you make, or for any loss from relying on our output.
- Our total liability for any claim relating to the service is limited to the greater of $100 or the amount you paid us in the twelve months before the claim.
Some states don't allow these limits, so parts of this may not apply to you.
10. Indemnification
If someone brings a claim against us because of how you used the service, because you broke these terms, or because you violated the law or someone's rights, you agree to cover our resulting costs, including reasonable legal fees.
11. Governing law
These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-laws rules.
Any dispute will be brought in the state or federal courts located in Allegheny County, Pennsylvania, and you agree those courts have jurisdiction over you.
12. Changes
We may update these terms. When we do, we'll change the effective date at the top, and for significant changes we'll email waitlist members or post a notice on the site.
Continuing to use the service after changes take effect means you accept them.
13. If part of this doesn't hold up
If any part of these terms is found unenforceable, the rest stays in effect.