Terms of Service

Last updated: 04/30/2026

Acceptance

These Terms of Service ("Terms") govern your access to and use of the websites, software, and services provided by Heirloom Equity LLC ("NoteLedger", "we", "our", or "us"). By creating an account or using the service you agree to these Terms. If you do not agree, do not use the service.

The service

NoteLedger is a software-as-a-service application for tracking mortgage note portfolios — payments, entities, contacts, and related records. Specific features and limits are described on our pricing and product pages and may change over time. We may add, modify, or discontinue features at our discretion.

Account registration

You must be at least 18 years old and able to form a binding contract. You agree to provide accurate registration information and to keep it current. You are responsible for safeguarding your password and for any activity under your account. Notify us promptly at legal@heirloomequity.com if you suspect unauthorized access.

Acceptable use

You agree not to:

• Use the service to violate any law, regulation, or third-party right
• Reverse engineer, decompile, or attempt to extract source code from the service
• Scrape, crawl, or otherwise collect data from the service except as expressly permitted
• Upload or process data of natural persons without their authorization or a lawful basis
• Interfere with the security or integrity of the service, including by introducing malware or attempting to gain unauthorized access
• Impersonate another person or entity or misrepresent your affiliation

Subscription, billing, and trial

NoteLedger offers a 30-day free trial that begins when you complete signup. After the trial, your subscription automatically converts to the plan you selected and your card is charged on a recurring monthly basis. Tier-specific limits (notes, entities, users) are enforced as described on our pricing page. You may cancel at any time from your account settings; cancellation takes effect at the end of the current billing period and we do not provide refunds for partial periods. Payment is processed by Stripe and subject to Stripe's terms.

Customer data

You retain all rights to data you upload to or generate within the service ("Customer Data"). You grant NoteLedger a worldwide, non-exclusive, royalty-free license to host, process, transmit, and display Customer Data solely as necessary to provide the service to you. You can export your Customer Data on request to legal@heirloomequity.com; deletion is governed by our Privacy Policy.

Intellectual property

NoteLedger and its licensors retain all right, title, and interest in the service, including all software, designs, trademarks, and documentation. No license to any of our intellectual property is granted except as expressly set out in these Terms. If you provide feedback, suggestions, or ideas about the service, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction.

Third-party integrations

The service can connect to third-party providers (Google, Microsoft 365, loan servicers). Your use of those integrations is governed by the third party's terms and privacy policies, in addition to these Terms. We are not responsible for the availability, content, or practices of any third-party service.

Termination

You may terminate your account at any time by cancelling your subscription. We may suspend or terminate your account, with or without notice, for breach of these Terms, non-payment, or conduct that we reasonably believe poses a risk to other users, the service, or third parties. On termination, your right to use the service ends; we will retain or delete your data in accordance with our Privacy Policy.

Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. NoteLedger does not provide legal, tax, accounting, or investment advice; nothing in the service constitutes such advice.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL HEIRLOOM EQUITY LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE. OUR TOTAL CUMULATIVE LIABILITY UNDER THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS.

Indemnification

You agree to indemnify and hold harmless Heirloom Equity LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the service, (b) your Customer Data, (c) your violation of these Terms, or (d) your violation of any third-party right.

Governing law and venue

These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws principles. The exclusive venue for any dispute arising out of these Terms is the state or federal courts located in Illinois, and you consent to the personal jurisdiction of those courts.

Changes to these Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. For material changes we will post a notice on this page and may also notify you by email at the address associated with your account. Your continued use of the service after the effective date of revised Terms constitutes acceptance.

Contact

Questions about these Terms can be sent to legal@heirloomequity.com or by mail to:

Heirloom Equity LLC 411 S Dunton Ave Arlington Heights, IL 60005