QILO TERMS OF SERVICE

By using the Qilo platform, you agree to these terms. If you do not agree, do not use the platform. These terms include a binding arbitration clause and class action waiver in Section 14 — please read that section carefully.

1. About These Terms

1. Welcome to Oikos Market Inc, dba Qilo, a Delaware corporation (“Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the Qilo website, platform, tools, documents, communications, and related services (the “Platform”).

2. These Terms are a binding agreement between you and Qilo. By creating an account, making a payment, or otherwise using the Platform, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy.

3. We may update these Terms at any time by posting the revised version on the Platform. We'll make reasonable efforts to notify you of material changes. Continuing to use the Platform after a change is posted means you accept the update.

2. What Qilo Is — and Is Not

2.1 Platform purpose

4. Qilo is an online technology platform that helps buyers and sellers of residential real estate in Arizona connect, communicate, and manage documents for For Sale By Owner (FSBO) transactions. We provide tools, templates, and guided workflows to support self-directed transactions.

5. Qilo is not a party to any transaction between users. We do not participate in negotiations, provide pricing advice, conduct property showings, or manage closings.

2.2 No brokerage or agency services

6. QILO IS NOT A LICENSED REAL ESTATE BROKER OR AGENT AND DOES NOT REPRESENT ANY USER IN THE PURCHASE OR SALE OF REAL ESTATE.

7. We do not: represent buyers or sellers; act as an agent, broker, intermediary, fiduciary, or advisor; negotiate transactions; list properties on the MLS; solicit purchasers for sellers; give legal, tax, or investment advice; or earn commissions on a sale or purchase.

8. Our compensation is limited to subscription, platform-access, or other fixed fees — it does not depend on whether a transaction closes.

9. Any document or form on the Platform is provided for your convenience only. It is not legal advice, and we don't guarantee it fits your specific situation. Have all documents reviewed by your own attorney before signing.

2.3 Your responsibilities as a user

10. All negotiations happen solely between you and other users. You're responsible for your own due diligence, and should consult licensed professionals — attorneys, brokers, accountants, inspectors, lenders, and title companies — as appropriate.

11. Using the Platform does not create any agency, fiduciary, brokerage, joint venture, partnership, or employment relationship between you and Qilo.

3. Eligibility

12. You must be at least 18 years old and legally able to enter binding contracts to use the Platform.

13. By using the Platform, you confirm that: the information you provide is accurate and complete; you have the authority to post or inquire about any property you submit; and your use complies with applicable law.

4. Your Account

14. You may need an account to access certain features. You're responsible for keeping your login credentials confidential, for all activity under your account, and for telling us right away about any unauthorized access or security issue.

15. We can suspend or terminate accounts at any time, at our discretion, including for violating these Terms or the law.

16. If the Platform requires identity verification, that process is handled by Plaid, a third-party identity verification provider. Qilo does not receive or store the government ID or biometric data you provide to Plaid — see our Privacy Policy for details.

5. Subscription Fees & Billing

17. Some features require a subscription or service fee. Fees are non-refundable unless we say otherwise, may change with notice, and don't include taxes unless stated.

18. Subscriptions renew automatically each month unless you cancel before the renewal date, through the Platform or by contacting us. Subscribing authorizes us to charge your payment method for recurring fees.

19. If a payment is declined, we may suspend or cancel your subscription. You agree to receive billing statements and notices electronically.

20. We don't guarantee uninterrupted or error-free access. Temporary downtime doesn't entitle you to a refund.

21. Unpaid fees may lead to suspension or termination of your access.

6. Property Listings & User Content

22. You're solely responsible for all listings, photos, descriptions, pricing, messages, and other content you submit (“User Content”).

23. By posting User Content, you confirm that: you own it or have the right to post it; it's accurate and not misleading; it doesn't break any law or infringe anyone's rights; and it complies with fair housing and anti-discrimination law.

24. We don't independently verify listings or User Content, and we don't guarantee the accuracy, completeness, legality, ownership, condition, value, or availability of any property.

25. We may remove or edit User Content at any time, at our discretion — but we're not obligated to.

7. No Guarantee of Transactions

26. We don't guarantee that a transaction will close, the quality, condition, or value of any property, that another user is truthful or reliable, financing availability, title condition, compliance with local law, or any financial outcome.

27. Every transaction happens entirely at users' own risk.

8. Prohibited Conduct

28. You may not use the Platform to: (a) post false, misleading, or fraudulent listings or transaction information; (b) submit a Seller Property Disclosure Statement or other document you know is false or materially incomplete; (c) impersonate someone else; (d) violate fair housing, anti-discrimination, or consumer-protection law; (e) act as an unlicensed real estate broker or agent; (f) take part in wire fraud, mortgage fraud, title fraud, or any other transaction-related fraud; (g) interfere with the Platform's operation, security, or integrity; (h) transmit malware or harmful code; (i) scrape or harvest data without written permission; (j) bypass authentication or security measures; or (k) otherwise break applicable law.

29. Breaking this section can mean immediate suspension or termination without refund, and may expose you to civil or criminal liability. We may report suspected fraud or unlawful activity to law enforcement or regulators.

9. Fair Housing Compliance

30. You agree to comply with all applicable fair housing and anti-discrimination laws, including the federal Fair Housing Act (42 U.S.C. § 3601 et seq.) and the Arizona Civil Rights Act (A.R.S. § 41-1491 et seq.). You may not post preferences, limitations, or statements that discriminate based on race, color, national origin, religion, sex, familial status, disability, or any other protected characteristic.

31. We may remove content that violates fair housing law and report violations to the appropriate authorities — though we're not obligated to monitor for violations.

10. Electronic Records & Signatures

32. You agree that Qilo and other users may send you disclosures, notices, agreements, contracts, amendments, and other documents electronically (“Electronic Records”).

33. You agree to use electronic signatures for transactions and communications on the Platform. Under the federal E-SIGN Act (15 U.S.C. § 7001 et seq.) and Arizona's Electronic Transactions Act (A.R.S. § 44-7001 et seq.), electronic signatures carry the same legal weight as handwritten ones.

34. An electronic signature can be: clicking a button to accept, checking a box, typing your name or initials, using a stylus, touchscreen, or mouse, or any other electronic action showing you intend to sign or accept.

35. By using the Platform, you confirm that you've read and understood this consent, agree to receive Electronic Records and use electronic signatures, can access and keep copies of Electronic Records, and intend your electronic signature to be legally binding.

10.1 SMS communications — consent

36. If you give us your mobile number and opt in — at signup or in your account settings — you agree to receive text messages from Qilo at that number. This covers two types of messages:

37. Transactional messages: things tied to your account or an active transaction, like offer notifications, documents ready to sign, appointment reminders, listing updates, and security alerts.

38. Marketing messages: promotions, new features, and announcements.

39. Opting in to marketing messages is never required to use or purchase anything on the Platform.

10.2 Opting out

40. You can opt out of SMS at any time by: replying STOP to any text (you'll get one confirmation message, then no more unless you opt back in); updating your notification preferences in account settings; or emailing legal@goqilo.com.

41. Opting out of marketing messages doesn't stop transactional messages tied to a transaction you've started. To stop everything, reply STOP or contact us directly.

10.3 Help

42. Reply HELP to any Qilo text for assistance, or email legal@goqilo.com.

10.4 Message frequency, rates & carriers

43. Message frequency depends on your activity — transactional messages arrive as transaction events happen; marketing messages arrive periodically based on your account and preferences.

44. Message and data rates may apply depending on your carrier and plan. We're not responsible for carrier charges.

45. Our SMS service works with most major U.S. carriers, but availability can vary, and we're not responsible for delivery delays or failures caused by your carrier or network.

46. We may change the types or frequency of SMS messages we send, or stop SMS entirely, at any time — we'll note material changes as described in Section 1.

11. Disclaimer of Warranties

Federal and Arizona law require this disclaimer to be conspicuous, so it stays in capital letters below.

47. THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QILO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: ANY IMPLIED WARRANTY OF MERCHANTABILITY; FITNESS FOR A PARTICULAR PURPOSE; NON-INFRINGEMENT; ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY INFORMATION ON THE PLATFORM; UNINTERRUPTED OR ERROR-FREE ACCESS TO THE PLATFORM; AND SECURITY OF DATA TRANSMITTED TO OR FROM THE PLATFORM. QILO DOES NOT WARRANT THAT ANY DOCUMENT OR FORM ON THE PLATFORM IS LEGALLY SUFFICIENT FOR YOUR SPECIFIC TRANSACTION. CONSULT A LICENSED ATTORNEY BEFORE RELYING ON ANY PLATFORM DOCUMENT.

12. Limitation of Liability

48. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QILO SHALL NOT BE LIABLE FOR: INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS OR LOST OPPORTUNITIES; PROPERTY LOSSES ARISING FROM ANY TRANSACTION; PERSONAL INJURY OR PROPERTY DAMAGE; TRANSACTION FAILURES OR DELAYS; BUSINESS INTERFERENCE OR INTERRUPTION; MISREPRESENTATIONS MADE BY OTHER USERS; OR DISPUTES BETWEEN USERS. QILO'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE PLATFORM SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO QILO IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU IN FULL.

13. Indemnification

49. You agree to indemnify, defend, and hold harmless Qilo and its owners, officers, directors, employees, contractors, and affiliates from claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Platform, your User Content, your violation of these Terms or the law, or your violation of anyone else's rights.

50. We may take over the defense of any claim covered by this section, at your expense, and you agree to cooperate with that defense.

14. Dispute Resolution & Arbitration

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and your right to a jury trial.

14.1 Informal resolution first

51. Before starting arbitration, contact us at the address in Section 19 and describe your dispute in writing. We'll try to resolve it informally within 30 days. If that doesn't work, either side may proceed to arbitration.

14.2 Binding arbitration

52. Except as described in 14.3, any dispute arising from these Terms or your use of the Platform — including whether a dispute belongs in arbitration — will be resolved exclusively through binding arbitration, not in court.

53. Arbitration is administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (adr.org), as modified by these Terms. The arbitrator's decision is final and binding and can be entered as a judgment in any court with jurisdiction.

54. Arbitration takes place in Pima County, Arizona, or by videoconference if either party asks. Qilo pays all AAA filing, administrative, and arbitrator fees for claims of $10,000 or less, unless the arbitrator finds the claim frivolous.

14.3 Exceptions to arbitration

55. Either side can bring a qualifying individual claim in small claims court in Pima County, Arizona, or seek emergency injunctive relief in court to prevent irreparable harm while arbitration is pending.

14.4 Class action waiver

56. YOU AND QILO EACH WAIVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING. ALL DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY.

14.5 Disputes between users

57. Qilo isn't responsible for disputes between users. You're solely responsible for resolving issues about property condition, title, financing, disclosures, negotiations, contract terms, or closing — we won't mediate or arbitrate user-to-user disputes.

15. Intellectual Property

58. Everything on the Platform besides User Content — software, design, text, graphics, logos, trademarks — belongs to Qilo and is protected by intellectual property law. You may not copy, distribute, modify, create derivative works from, publicly display, or otherwise use Platform content without our prior written permission.

59. You keep ownership of your User Content. Posting it on the Platform gives us a non-exclusive, worldwide, royalty-free license to use, display, reproduce, and distribute it — only as needed to run and improve the Platform.

15.1 Copyright complaints (DMCA)

60. If you believe content on the Platform infringes your copyright, send a written notice to our copyright agent that includes: your signature (physical or electronic); identification of the copyrighted work you claim is infringed; identification of the material you claim is infringing, with enough detail for us to locate it on the Platform; your name, address, phone number, and email address; a statement that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law; and a statement, made under penalty of perjury, that the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

61. Send copyright notices to our designated agent: Qilo Legal Department, legal@goqilo.com, 2810 N Church St, Wilmington, DE 19802.

62. If we remove or disable content in response to a notice and you believe that was a mistake or misidentification, you may submit a counter-notice with the information required under 17 U.S.C. § 512(g). We will forward it to the original complaining party, and may restore the content in 10–14 business days unless that party files a court action seeking to keep it down.

63. We may suspend or terminate the accounts of users who are repeat infringers.

16. Termination of Access

64. We may suspend or end your access at any time, for any reason, with or without notice — including for breaking these Terms.

65. After termination, the sections covering what Qilo is and isn't, electronic signatures, warranty disclaimers, liability limits, indemnification, dispute resolution, intellectual property, and this Privacy section continue to apply.

17. Privacy

66. How we collect, use, and protect your information is explained in full in our Privacy Policy, published at goqilo.com/privacy-policy, which is part of these Terms.

18. Governing Law & Venue

67. These Terms are governed by Arizona law, regardless of conflict-of-law principles. For anything not subject to arbitration under Section 14, you and Qilo consent to the exclusive jurisdiction of state and federal courts in Pima County, Arizona.

19. General Terms

68. Entire agreement: These Terms, plus any order confirmation or subscription agreement, are the entire agreement between you and Qilo about the Platform, and replace any prior agreements or understandings.

69. Waiver: If we don't enforce a provision, that's not a waiver of our right to enforce it later. Waivers are only effective in writing.

70. Severability: If a provision is found unenforceable, it will be narrowed just enough to make it enforceable, and the rest of these Terms stay in effect.

71. Modifications: We may update these Terms at any time by posting the new version on the Platform, and we'll give notice of material changes. Continuing to use the Platform after that means you accept the update.

72. No third-party beneficiaries: These Terms don't give rights to anyone besides you and Qilo.

73. Assignment: You can't transfer your rights or obligations under these Terms without our written consent. We can assign these Terms freely, including in a merger, acquisition, or sale of assets.

74. Contact: Questions about these Terms or your privacy rights can go to legal@goqilo.com, or by mail to 2810 N Church St, Wilmington, DE 19802.

By using the Platform, you acknowledge that you have read, understood, and agreed to these Terms and our Privacy Policy.

When you create a Qilo account, you'll review and electronically sign the full Qilo Platform Agreement (which incorporates these Terms) using the e-signature process described in Section 10.