Beta Program Notice
Nestworthy is currently in a closed beta testing phase. By accessing or using this Service during the beta period, you acknowledge and agree to the following:
- No Guarantee of Data Preservation. Your data, including property records, REP activity logs, transaction history, advisor briefings, and other information entered into the platform, may be deleted, lost, or rendered unavailable at any time without prior notice. We make no representations regarding the durability or recoverability of data stored during beta.
- Service Availability. The Service may experience downtime, interruptions, or errors. Features may be added, modified, or removed without notice. The beta version does not represent the final product.
- No Reliance. During the beta period, Nestworthy may modify, delete, or reset user data without prior notice as we improve the platform. You should not rely on Nestworthy as your sole record-keeping system for tax, legal, financial, or compliance purposes. Maintain independent copies of all important records.
- Limitation of Liability. To the maximum extent permitted by law, Nestworthy shall not be liable for any damages arising from data loss, service interruption, or any other aspect of your use of the beta Service.
- Feedback. Any feedback or suggestions you provide may be used by Nestworthy without obligation of compensation or attribution.
- Transition to General Availability. When the Service transitions from beta, your account and data may or may not be migrated. We will make reasonable efforts to notify beta users of migration plans.
By continuing to use the Service, you acknowledge that you have read and agreed to this Beta Program Notice.
Acceptance of Terms
By accessing or using the Nestworthy platform at nestworthy.ai (the "Service"), you agree to be bound by these Terms of Service ("Terms"), including the Beta Program Notice above. If you do not agree to these Terms, do not use the Service. We may update these Terms at any time, and your continued use of the Service constitutes acceptance of any changes.
Description of Service
Nestworthy is a financial management platform designed for real estate investors. The Service provides portfolio tracking, Real Estate Professional (REP) status tracking, advisor briefing generation, acquisition analysis, transaction management, and related tools.
The Service is intended for informational and organizational purposes only. Nestworthy does not provide tax, legal, or investment advice. You should consult qualified professionals for any tax, legal, or financial decisions.
AI Limitations
Nestworthy uses artificial intelligence to categorize transactions, estimate values, analyze deals, and generate reports. AI outputs are estimates and may contain errors, omissions, or inaccuracies. You should independently verify all AI-generated information before relying on it for any purpose.
Nestworthy's AI credibility scores, deal grades, rent estimates, and tax calculations are informational tools — not professional opinions.
No Tax, Legal, or Investment Advice
Nestworthy is a software tool that organizes your data and generates reports. Nestworthy does not prepare tax returns, file documents with the IRS, provide legal advice, or make investment recommendations. Schedule E reports, tax savings estimates, deal analysis grades, and rent estimates are for informational and organizational purposes only.
You must consult a licensed CPA, attorney, or financial advisor before making tax, legal, or investment decisions. Nestworthy is not a registered investment advisor, tax preparer, or legal service provider.
User Accounts
You must create an account to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:
- Provide accurate and complete registration information
- Keep your account credentials secure
- Notify us immediately of any unauthorized access to your account
- Not share your account or allow others to access the Service through your account
We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent or abusive behavior.
Subscriptions & Billing
Nestworthy offers both free and paid subscription plans. Paid plans are billed monthly or annually as selected at the time of purchase.
- Payments are processed securely through Stripe. By subscribing, you authorize recurring charges to your payment method.
- Subscriptions renew automatically unless cancelled before the end of the current billing period.
- You may cancel at any time through your account settings. Cancellation takes effect at the end of the current billing cycle.
- Refunds are handled case-by-case. Contact support@nestworthy.ai for refund requests.
We reserve the right to modify pricing with 30 days' notice. Price changes will not affect current billing periods.
Third-Party Payment Processing
Rent payments processed through Nestworthy are handled entirely by Stripe, Inc., a licensed payment processor. Nestworthy does not hold, transmit, or control tenant funds at any point. All payment processing is subject to Stripe's terms of service and privacy policy.
Nestworthy is not a money transmitter, payment processor, or financial institution.
SMS Verification Program
Program name: Nestworthy Verification SMS. We use SMS for one-time passcodes (OTP) and two-factor authentication (2FA) to protect tenant portal access, landlord sign-in, account recovery, and verification before sensitive account changes such as payout bank account modifications. SMS is delivered via Twilio, our third-party telecommunications provider.
How users opt in: Tenants explicitly request a verification code by entering their phone number on their tenant portal verification screen and clicking “Text me a code.” Landlords explicitly enable SMS-based two-factor authentication in Account Settings → Security and confirm their phone number with a verification code. SMS is sent only in direct response to a user-initiated request.
Message frequency: Recurring messages, sent only on user request. Typical volume is fewer than five messages per user per month.
Message and data rates may apply. Standard carrier message and data rates from your wireless provider apply to all messages sent and received. Nestworthy does not charge for SMS messages, but your wireless carrier may. Contact your carrier for details about your specific plan.
Opt-out: You can opt out at any time by replying STOP to any verification SMS. After replying STOP, you will receive a final confirmation message and no further SMS will be sent. You may resume SMS at any time by re-enabling the feature in Account Settings (landlord) or by requesting a new verification code from the portal (tenant).
Help: Reply HELP to any verification SMS for assistance, or contact us at admin@nestworthy.ai.
Supported carriers: Verification SMS is supported on major U.S. wireless carriers including AT&T, T-Mobile, Verizon, and most regional carriers. Delivery is not guaranteed and may be subject to carrier-level filtering or delays.
Carriers are not liable for delayed or undelivered messages.
Third-Party Data Integrations
Nestworthy integrates with third-party services including Plaid (bank data), Stripe (payments), QuickBooks Online (accounting), Rentcast (market data), and others. Data accuracy depends on these third-party providers. Nestworthy is not responsible for errors, delays, or inaccuracies in data provided by third-party services.
Your use of these integrations is also subject to each provider's terms of service and privacy policy.
1099 Tracking
Nestworthy tracks contractor payments and helps identify contractors who may require 1099-NEC forms. Nestworthy does not generate, file, or submit 1099 forms to the IRS or to contractors.
You are responsible for consulting your CPA and complying with all IRS reporting requirements.
AI Data Processing & Training
Nestworthy uses AI to categorize transactions, analyze deals, estimate rents, and generate reports. All AI processing is performed solely for your account and to provide the Service.
We will only use your data for model improvement if you explicitly opt in via Settings. You can change this preference at any time. Opting out does not affect your use of the platform. When opted in, only anonymized, aggregated patterns are used — no personal information, property addresses, financial details, or identifiable data is ever included in training data.
Nestworthy does not sell, share, or provide your data to third parties for their own model training purposes.
Document Uploads
When you upload documents (mortgage statements, receipts, contracts, tax forms), Nestworthy processes them using AI to extract information. Uploaded documents are stored encrypted and retained for the duration of your account.
Upon account cancellation, uploaded documents are deleted within 30 days. Nestworthy does not share uploaded documents with third parties except as necessary to provide the service (e.g., AI processing).
Subject-To (Sub2) Deals Disclaimer
Nestworthy's deal calculators include analysis for Subject-To transactions, which involve assuming existing mortgage debt without lender consent. These transactions carry significant legal risks including due-on-sale clause enforcement.
Nestworthy's Sub2 calculator is for educational analysis only. Consult a real estate attorney before entering any Subject-To transaction.
Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose or in violation of applicable laws
- Attempt to gain unauthorized access to the Service or its related systems
- Reverse-engineer, decompile, or disassemble any part of the Service
- Use automated systems (bots, scrapers) to access the Service without written permission
- Upload malicious content or interfere with the operation of the Service
- Resell, sublicense, or redistribute access to the Service
Intellectual Property
The Service, including its design, code, features, branding, and content, is owned by Nestworthy and protected by intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written consent.
You retain ownership of all data you enter into the Service. By using the Service, you grant Nestworthy a limited license to process your data solely for the purpose of providing and improving the Service.
Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Nestworthy does not warrant that the Service will be uninterrupted, error-free, or secure. Calculations, analytics, and recommendations are for informational purposes only and should not be relied upon as professional tax, legal, or financial advice.
Limitation of Liability
To the maximum extent permitted by applicable law, Nestworthy and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.
Our total liability for any claims arising from your use of the Service shall not exceed the amount you paid to Nestworthy in the twelve (12) months preceding the claim.
Indemnification
You agree to indemnify and hold harmless Nestworthy and its officers, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.
Termination
You may terminate your account at any time by contacting support@nestworthy.ai.
We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service ceases immediately.
We will make your data available for export for 30 days following account termination, after which it may be permanently deleted.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved exclusively in the state or federal courts located in Delaware.
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Contact
For questions about these Terms, contact us at: