Last updated: July 15, 2026
Please read these Terms carefully. Section 2 explains that GoFlexi provides estimates and not tax, legal, or investment advice. Sections 3 and 4 disclaim warranties and limit our liability. Section 13 requires most disputes to be resolved by individual binding arbitration and waives your right to a jury trial and to participate in a class action — you may opt out of arbitration within 30 days.
These Terms of Service (the “Terms”) are a binding agreement between you and GoFlexi, the operator of goflexi.app (“GoFlexi,” “we,” “us”), covering the GoFlexi website, the free calculators, and the GoFlexi application (together, the “Service”). By creating an account, subscribing, or using any part of the Service — including the free tools, which require no account — you agree to these Terms. If you do not agree, do not use the Service.
You must be at least 18 years old and able to form a binding contract to use the Service. If you use the Service on behalf of a company or other organization, you represent that you have authority to bind it, and “you” means that organization.
The Service is built for the United States. Its calculations assume U.S. real estate practice, and its tax features model U.S. federal law and state income tax only — they have no meaning under any other country’s tax system. We make no representation that the Service is appropriate or available for use outside the United States, and if you access it from elsewhere you do so on your own initiative and are responsible for complying with local law.
Our Privacy Policy describes how we handle your data and is incorporated into these Terms.
GoFlexi is an educational and analytical software tool. It is not a tax advisor, accountant, attorney, real estate broker, appraiser, lender, or investment advisor, and nothing the Service produces is tax, legal, accounting, investment, appraisal, or brokerage advice. No output of the Service is a substitute for advice from a licensed professional who has reviewed your specific situation.
Using the Service does not create an accountant-client, attorney-client, fiduciary, agency, or advisory relationship between you and GoFlexi. We do not know your circumstances, we do not verify anything you enter, and we are not engaged to advise you. The Service responds to the inputs you supply; it does not evaluate whether those inputs are correct or whether a transaction is suitable for you.
This applies with particular force to every tax-related feature of the Service, including without limitation:
These features produce planning estimates only. They rest on documented simplifying assumptions — which are disclosed in the Service and may include, among others, no alternative minimum tax, a single flat state rate rather than state brackets, an approximation of modified adjusted gross income for net investment income tax purposes, no capital-loss carryforwards, and no §453A interest charge — and they depend entirely on inputs you provide and on tax law and rates in effect for a given year, which change. Actual tax consequences depend on facts the Service does not collect and cannot assess. Estimates produced by the Service are not tax returns, not tax opinions, not IRS forms or equivalents of IRS forms, and are not prepared or reviewed by a tax professional. Outputs are intended to help you frame a conversation with your own CPA or tax advisor, who should review them before you rely on or act on any figure.
The same applies to every other output of the Service, including amortization schedules, wrap and all-inclusive trust deed modeling, value-of-terms and net present value estimates, note appraisal, loan servicing simulation, underwriting, capital stack and equity waterfall modeling, investment return figures, property valuations, and offer amounts. Note appraisal output is an educational estimate and not an appraisal within the meaning of any state or federal law; actual offers vary by buyer, state, and diligence. Seller financing, wraparound mortgages, and similar structures carry legal and regulatory risk that varies by state and may implicate due-on-sale clauses, licensing requirements, and consumer lending laws such as the Dodd-Frank Act and the SAFE Act. Consult qualified professionals in your jurisdiction before entering any transaction.
You are solely responsible for your use of the Service and for every decision you make, including any decision to buy, sell, finance, structure, price, or hold any property, note, or investment. You should independently verify all figures and obtain professional advice before acting. Past or modeled results do not predict actual results.
The Service is provided “as is” and “as available,” with all faults and without warranty of any kind. To the fullest extent permitted by law, GoFlexi disclaims all warranties, express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade.
Without limiting the above, GoFlexi does not warrant that the Service or its outputs will be accurate, complete, current, reliable, or error-free; that any calculation, estimate, schedule, or projection will match actual outcomes, actual tax liability, or any determination by a tax authority, lender, appraiser, court, or counterparty; that the Service will be uninterrupted, secure, or free of harmful components; that any defect will be corrected; or that the Service reflects current law, tax rates, brackets, thresholds, or market conditions.
Financial and tax calculations are complex and the Service may contain errors, including errors in its formulas or assumptions. You accept the risk that any output may be wrong and agree that independent verification is your responsibility.
Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you. In that case, such warranties are limited to the minimum extent permitted by law.
To the fullest extent permitted by law, GoFlexi and its owners, officers, employees, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost revenue, lost or missed deals, lost data, tax liability, penalties, interest, or loss of goodwill, arising out of or relating to the Service or these Terms, under any theory of liability, even if advised of the possibility of such damages.
GoFlexi’s total aggregate liability for all claims relating to the Service will not exceed the greater of (a) the amount you actually paid GoFlexi in the twelve months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). If you use the Service on a free plan, during a trial, or through the free tools, this amount is one hundred U.S. dollars ($100).
These limits apply even if a limited remedy fails of its essential purpose. You and GoFlexi acknowledge that these limits are a fundamental basis of the bargain and that GoFlexi could not offer the Service at its current price without them.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you. Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud.
You agree to indemnify, defend, and hold harmless GoFlexi and its owners, officers, employees, and suppliers from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Service, your violation of these Terms or of any law, your reliance on any output of the Service, any transaction you enter into, or any claim by a third party — including a buyer, seller, partner, client, or tax authority — relating to figures, schedules, or reports you generated with the Service and shared with them.
You are responsible for keeping your login credentials confidential and for all activity under your account. Provide accurate registration information and keep it current. Accounts are for a single user; do not share, sell, or transfer your account. Notify us promptly at admin@goflexi.app if you suspect unauthorized use.
You may close your account at any time from your account settings or by contacting us.
New accounts receive a 14-day trial with full Pro access, with no credit card required. When the trial ends, the account automatically converts to the free plan — there is no charge and nothing to cancel. The free plan remains available at no cost, subject to the feature and storage limits described in the Service, which we may change.
Pro is a paid subscription billed monthly or annually in advance through our third-party payment processor, Stripe. Your subscription renews automatically for the same period until you cancel. You authorize us to charge your payment method on each renewal at the then-current price. You may cancel at any time through the billing portal in your account settings; cancellation takes effect at the end of your current paid period, and you keep Pro access until then.
Payments are non-refundable and we do not provide refunds or credits for partial periods, unused time, or unused features, except where required by law. The free plan and the no-card trial exist so that you can evaluate the Service before paying.
We may change prices or the features included in a plan. We will give you reasonable advance notice of a price increase affecting your subscription, and it will take effect on your next renewal. Continuing to use a paid plan after a price change takes effect means you accept the new price. If your payment fails, we may suspend Pro access until payment succeeds.
Prices exclude any sales, use, or value-added taxes, which you are responsible for where applicable.
You agree not to:
We may investigate and take any action we consider appropriate for a violation, including suspending or terminating your account.
The Service — including its software, financial models and formulas, lesson and article content, design, and the GoFlexi name and logo — is owned by GoFlexi and protected by intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your own business or personal real estate activity.
You retain ownership of the inputs, scenarios, and other content you submit. You grant us a limited license to host, store, process, and display that content solely to operate and improve the Service, as described in our Privacy Policy. You are responsible for the accuracy of what you enter and for having the right to enter it.
The Service is not a system of record or a backup service. Saved scenarios and profiles are a convenience, and we may delete them as described in the Privacy Policy — for example, after you close your account. Export anything you need to keep, and don’t rely on the Service as the only copy of a deal record.
You may use the schedules, reports, and PDF exports you generate in your own deals, including sharing them with counterparties and your advisors, provided you do not remove any disclaimer we include and do not present them as professional advice or as verified by us.
If you send us feedback or suggestions, we may use them without restriction or obligation to you.
The Service relies on third-party providers for hosting, authentication, payment processing, and analytics, and may link to third-party sites or resources. We are not responsible for third-party services or content, and your use of them may be governed by their own terms. Third-party outages or failures may affect the availability of the Service.
You may stop using the Service and close your account at any time. We may suspend or terminate your access if you breach these Terms, if we reasonably believe your use creates risk or legal exposure, or if we discontinue the Service. Where practical and lawful, we will give notice.
If we terminate your paid subscription without cause, we will refund the unused portion of your current paid period. On termination, your license to use the Service ends and we may delete your data as described in the Privacy Policy. Sections 2 through 5, and sections 9 through 14, survive termination.
We may update these Terms from time to time. We will update the “Last updated” date above, and for material changes we will provide notice by email or through the Service before they take effect. Continuing to use the Service after the changes take effect means you accept the revised Terms. If you do not agree, stop using the Service and close your account.
Please read this section carefully — it affects your legal rights. It requires most disputes to be resolved by individual binding arbitration instead of in court, and it waives your right to a jury trial and to participate in a class action. You may opt out within 30 days, and small claims court remains available.
Before starting an arbitration or filing any claim, you agree to contact us at admin@goflexi.app describing the dispute, and to try to resolve it informally for at least 30 days. Most problems can be fixed this way, and we’ll do the same before bringing any claim against you.
If we can’t resolve a dispute informally, you and GoFlexi agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration on an individual basis, not in court, except as stated under “Exceptions” below. This section is governed by the Federal Arbitration Act.
You and GoFlexi agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any form of class proceeding.
If this class action waiver is found unenforceable as to any claim, then the entirety of this arbitration agreement is null and void as to that claim, and that claim will proceed in court — the parties do not agree to class arbitration under any circumstances. The rest of these Terms, including sections 3 and 4, still apply.
Because every claim here is individual, a coordinated group of similar claims could otherwise arrive as hundreds of separate filings at the same time — which turns the process into a contest over filing fees instead of a decision on the merits. So if 25 or more arbitration demands raising substantially similar claims are filed within a 90-day period by, or with the coordination or assistance of, the same counsel or organization, those demands will be heard in stages. This works the same way whether the demands are filed against GoFlexi or by it.
If any part of this subsection is unenforceable, only that part is severed — unlike the class action waiver above, the rest of this section 13 survives and arbitration still applies.
Either of us may bring an individual claim in small claims court if it qualifies. And either of us may ask a court for an injunction or other equitable relief to stop unauthorized access to, or infringement or misuse of, intellectual property or the Service. Seeking that relief is not a waiver of this section.
You can reject this arbitration agreement and the class action waiver by emailing admin@goflexi.app with your account email and the words “arbitration opt-out” within 30 days of first accepting these Terms. Opting out affects nothing else — your account and the rest of these Terms are unchanged, and we won’t treat you differently for it.
These Terms are governed by the laws of the State of California, without regard to its conflict of laws rules. For any dispute not subject to arbitration, the state and federal courts located in California have exclusive jurisdiction, and you consent to personal jurisdiction and venue there — except that you may always bring a qualifying claim in small claims court where you live.
Any claim must be brought within one year after it arises, to the extent permitted by law.
These Terms and the Privacy Policy are the entire agreement between you and GoFlexi regarding the Service and supersede any prior understanding. If any provision is held unenforceable, it will be limited or severed to the minimum extent necessary and the rest remains in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship. We are not liable for delays or failures caused by events beyond our reasonable control.
Questions about these Terms:
Email: admin@goflexi.app
Subject Line: Terms of Service Question
Response Time: We aim to respond within 48 hours