Terms of Service

1. Agreement to These Terms

These Terms of Service ("Terms") govern access to and use of the TitleRelay platform, websites, APIs, and related services (collectively, the "Service") operated by KaaS Solutions LLC ("we," "us," or "our").

By creating an account, signing in, or using the Service, you agree to these Terms on behalf of yourself and the organization you represent. If you do not agree, do not use the Service.

If you use the Service on behalf of a title company, lender, or other business entity, you represent that you have authority to bind that entity to these Terms.

2. Description of the Service

TitleRelay is a business-to-business software platform that helps title and settlement professionals automate mortgage order intake. The Service may include mailbox synchronization, email parsing, order review workflows, integrations with ResWare and Microsoft 365, client portals, billing, and related administrative tools.

We may modify, improve, or discontinue features at any time with reasonable notice where practicable. We do not guarantee uninterrupted availability, error-free operation, or compatibility with every email format, ResWare configuration, or third-party system.

3. Eligibility and Authorized Access

The Service is intended for authorized business users only. You must be at least 18 years old and employed by or contracted with a customer organization that has been provisioned on the platform.

Accounts are created by platform or tenant administrators. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account.

You must promptly notify your administrator and us at hello@titlerelay.com if you suspect unauthorized access, credential compromise, or misuse of your account.

4. Customer Responsibilities

Customers are responsible for configuring the Service correctly, including mailbox permissions, sender profiles, parsing templates, ResWare mappings, security settings, and user access controls.

You represent that you have all rights and permissions necessary to connect mailboxes, process email content, and submit order data to downstream systems such as ResWare on behalf of borrowers, sellers, lenders, and other parties.

You are solely responsible for:

• Reviewing parsed order data before submission and verifying accuracy
• Complying with applicable laws and industry requirements, including GLBA, state privacy laws, RESPA-related obligations, title insurance regulations, and your own information security policies
• Providing required privacy notices to your employees, clients, borrowers, and other data subjects whose information you submit through the Service
• Obtaining any consents required under applicable law before processing personal information through the Service
• Configuring mailbox access, user permissions, auto-submit rules, and data retention practices consistent with your legal and contractual obligations

You must not use the Service to process data you are not authorized to handle, to violate any law, or to interfere with the Service or other users.

5. Acceptable Use

You agree not to:

• Access or attempt to access another tenant's data or accounts without authorization
• Reverse engineer, scrape, probe, or disrupt the Service except as permitted by law
• Upload malware, abusive content, or unlawful material
• Circumvent authentication, rate limits, audit logging, or security controls
• Use the Service in a manner that violates Microsoft, ResWare, or other applicable third-party terms
• Misrepresent your identity or affiliation when using the Service
• Use the Service to facilitate unauthorized access to nonpublic personal information

6. Data Processing Roles

For most customer data processed through the Service—including inbound emails, parsed order information, borrower and property details, and audit records—the customer organization is the data controller and we act as a service provider or processor on the customer's instructions.

We process such data only to provide, secure, support, and improve the Service, comply with applicable law, and enforce these Terms. A Data Processing Addendum ("DPA") is available upon request and governs our obligations as a processor where applicable law requires such an agreement.

7. Sensitive and Regulated Information

The Service may process nonpublic personal information and other sensitive data commonly found in mortgage and title workflows, which may include names, addresses, loan details, Social Security numbers, tax identifiers, and similar information.

You are responsible for determining whether your use of the Service complies with GLBA, applicable state privacy laws, RESPA-related obligations, contractual restrictions with your lender clients, and your own information security policies.

We implement administrative, technical, and organizational safeguards designed to protect customer data, including encryption in transit, access controls, audit logging, and environment isolation between customer organizations. No system is completely secure. You must configure retention, access, and submission controls appropriate to your risk profile.

8. Subprocessors and Third-Party Services

We use the following subprocessors to operate the Service:

• Microsoft Azure — Cloud hosting, infrastructure, and storage
• Microsoft Graph API — Mailbox access and Microsoft 365 integration

Your use of Microsoft services through the Service is also subject to Microsoft's applicable terms and privacy policies.

We will provide at least 30 days' prior notice of material changes to our subprocessor list by posting an updated version at https://titlerelay.com/subprocessors or by notifying tenant administrators by email. If you reasonably object to a new subprocessor on data protection grounds, contact us at hello@titlerelay.com and we will work in good faith to address your concern.

We are not responsible for outages, policy changes, API limitations, or data handling practices of third-party providers. You are responsible for maintaining valid credentials, permissions, and subscriptions with those providers.

9. Fees and Payment

If you purchase paid services, fees, billing cycles, and payment terms are set forth in your order form, invoice, or separate agreement. Unless otherwise stated, fees are non-refundable except where required by law.

We may suspend access for overdue amounts after reasonable notice. Taxes, if applicable, are your responsibility unless we state otherwise in writing.

10. Intellectual Property

We and our licensors retain all rights in the Service, software, branding, documentation, and related materials. These Terms do not grant you any ownership interest in the Service.

You retain ownership of your data and grant us a limited license to host, process, transmit, and display it as necessary to operate the Service and support your authorized use.

11. Confidentiality

Each party may receive confidential information from the other. The receiving party will use reasonable care to protect such information and will use it only for purposes related to the Service, except as required by law or with the disclosing party's consent.

12. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT EMAIL PARSING WILL BE COMPLETE OR ACCURATE, THAT ORDERS WILL BE ACCEPTED BY RESWARE, THAT INTEGRATIONS WILL REMAIN AVAILABLE, OR THAT THE SERVICE WILL MEET YOUR REGULATORY OR BUSINESS REQUIREMENTS WITHOUT YOUR INDEPENDENT REVIEW AND CONFIGURATION.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER WE NOR OUR AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

14. Indemnification

You will defend, indemnify, and hold harmless us and our affiliates, officers, employees, and agents from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your data, your violation of these Terms, or your violation of applicable law or third-party rights.

15. Suspension and Termination

We may suspend or terminate access immediately if we reasonably believe you have violated these Terms, created a security risk, failed to pay amounts due, or if continued provision would violate law or harm the Service or other customers.

Upon termination, your right to use the Service ends. We will retain and delete your data in accordance with our data retention practices, applicable law, and any applicable DPA. Provisions that by their nature should survive termination will survive, including Sections 10, 11, 12, 13, 14, and 17.

16. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide at least 30 days' advance notice through the Service, by email to your account administrator, or by posting an updated effective date. Continued use after the effective date of material changes constitutes acceptance of the revised Terms. If you do not agree to material changes, you may terminate your account before the effective date.

17. Governing Law and Disputes

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Except where prohibited, the state and federal courts located in Pinellas County, Florida will have exclusive jurisdiction over disputes arising from these Terms or the Service.

Before filing a claim, the parties agree to attempt in good faith to resolve disputes informally by contacting us at hello@titlerelay.com and allowing 30 days to respond.

18. General

These Terms, together with any order form, Data Processing Addendum, or written agreement between the parties, constitute the entire agreement regarding the Service and supersede all prior understandings. If any provision is unenforceable, the remaining provisions remain in effect.

Our failure to enforce a provision is not a waiver. 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.

19. Contact

Questions about these Terms may be sent to hello@titlerelay.com. Please include your organization name, account contact, and a description of the issue.