Terms of Service

You agree these terms have the same legal effect as a paper contract signed by hand. Under the U.S. Electronic Signatures in Records and Commerce Act (E-SIGN, 15 U.S.C. § 7001 et seq.) and equivalent state laws (including Cal. Civ. Code § 1633.1 et seq.), your affirmative acts (creating an account, clicking "Approve & File", or checking the consent box at payment) constitute your electronic signature. We record each payment-time acceptance (document versions, timestamp, IP) and retain that verification for at least three years as required by Cal. Bus. & Prof. Code § 17602(a)(6). You may withdraw electronic consent and request paper copies of these terms at legal@4eye.me at no charge; withdrawing consent ends your ability to use paid features.

• You must be at least 18 years old and legally able to contract.
• The service is offered worldwide where not prohibited by law; you may not use it if located in a country subject to comprehensive U.S. sanctions or on any restricted-party list.
• One person or organization per account; keep credentials confidential and tell us immediately about unauthorized use.

For consumers: upload evidence, receive AI-assisted extraction and drafting, review the draft, and, only after your explicit approval of each filing, have us submit the complaint through automated browser interaction to the CFPB portal, FTC, state Attorney General portals, and other verified channels; then track status and correspondence.

For business customers: register your organization, verify your business, onboard properties, units, leases, and team members, receive and triage tenant complaints, draft responses with AI assistance, manage prepaid credits and statements, and track everything from the enterprise portal.

Feature sets differ by audience; what we deliver at any time is what is described on the site when you sign up.

4eye is a software platform. We are not a law firm, we do not practice law, and no attorney-client relationship is created.

Statute references in drafts (UDAAP, FDCPA, FCRA, Reg E, state landlord-tenant codes) are informational. Nothing here is a substitute for advice from an attorney licensed in your jurisdiction, particularly for litigation, eviction defense, or high-stakes matters. Business customers remain solely responsible for complying with landlord-tenant, fair housing, debt-collection, and consumer-reporting laws applicable to their own conduct.

Drafts are generated by large language models and can contain errors: wrong dates, mischaracterized facts, misapplied statutes, invented details. Our pipeline validates every verifiable fact against extracted data before filing is permitted, but you are the final reviewer. Read each draft carefully before approving. A filed complaint enters an official government record and generally cannot be retracted. For business customers, response drafts sent through the portal are deemed approved by you on send.

You warrant that information you provide is accurate to the best of your knowledge. Knowingly submitting false information to a federal agency is a crime under 18 U.S.C. § 1001, and many states impose parallel duties. You may file only for yourself, or for another person/organization with their explicit documented authorization. We may suspend accounts we reasonably believe are filing false, duplicative-for-harassment, or fraudulent complaints.

Where you connect an existing CFPB account or enable MFA auto-read, you authorize us to:

• Log into those portals solely to submit filings you approved and read status updates;
• Use a scoped Gmail app password, if you provide one, exclusively to retrieve MFA emails from the agency;
• Store those credentials encrypted and revoke them immediately when you disconnect.

You can revoke any authorization at any time from profile settings or by emailing us.

Consumer plans. Core consumer filing is charged a one-time fee of $4.99 per filing, paid through PayPal before your complaint is submitted. We may introduce additional consumer plans in the future; any new pricing will be disclosed before a charge and existing users will receive advance notice.

Business subscriptions.

• Enterprise license: $499 per month, billed through PayPal, renewing automatically each month until cancelled.
• Usage credits: $1 per complaint action, deducted from a prepaid balance you top up in increments of at least $50. Credits do not expire while your subscription is active.

Auto-renewal disclosures. Before you pay, we disclose (i) that the subscription renews automatically until cancelled, (ii) the recurring amount and billing frequency, (iii) how to cancel online at any time from your account settings, and (iv) our refund practices. You give express affirmative consent by checking the box at checkout. After signup you receive an acknowledgment email restating the renewal terms and cancellation method, plus an annual reminder while subscribed. If we change the fee for a renewal, we email you at least 7 days (and no more than 30 days) before it takes effect, with cancellation instructions, consistent with the California Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq., as amended eff. July 1, 2025), New York Gen. Bus. Law § 527-a, the federal Restore Online Shoppers' Confidence Act (15 U.S.C. §§ 8401–8405), and similar laws of other states. Cancellation is effective at the end of the current billing period; you keep access until then.

At checkout you check a box stating, in substance: that you agree to the Terms of Service and Privacy Policy; that you understand the subscription renews monthly via PayPal until cancelled and can be cancelled online; and that you authorize PayPal to fund recurring charges. That checked box, together with the transaction metadata we log, is your consent record. Payments are processed by PayPal under the PayPal user agreement; we never receive card or bank numbers. Failed payments pause service after notice. Unauthorized-charge claims should first go to PayPal; we will cooperate in any investigation. Prices exclude taxes unless stated; you are responsible for applicable sales/use, VAT, or GST where levied on digital services.

• Subscriptions: cancel anytime; no partial-period refunds except where required by law.
• Prepaid credits: non-refundable once consumed; unused credits are refunded if we terminate without cause or where required by applicable law.
• Duplicate charges or clear billing errors: contact legal@4eye.me within 60 days for a full correction.

If you use the enterprise portal, you further agree that:

• You own or have lawful grounds for all tenant and portfolio data you upload;
• You are the controller/business for that data and are responsible for notices, lawful bases, retention, and responses to tenant privacy requests (see Privacy Policy Section 10);
• You will not use the platform for unlawful discrimination, retaliation against tenants, or evasion of habitability, rent-regulation, fair-housing, or debt-collection obligations;
• AI-drafted responses are suggestions you review before sending; sending them is your act;
• You will indemnify us against third-party claims arising from your uploaded content or your use of drafted responses (Section 17).

You agree not to:

• Submit false, harassing, or bad-faith complaints or responses;
• Upload or transmit Confidential Supervisory Information (CSI), meaning non-public records, data, or documents created by or held by a financial regulatory agency concerning the examination, inspection, or supervision of a bank or other financial institution, or any other non-public government records, unless you are authorized by that agency to possess and submit them;
• Upload documents you have no right to use;
• Probe, scrape, reverse-engineer, or circumvent rate limits or security controls;
• Access data belonging to another user or organization;
• Resell or provide service bureau access without written agreement.

The platform, prompts, pipelines, brand, and site design are owned by Compliance Technologies, protected by U.S. and international law. Your documents and complaints remain yours. You grant us a limited license to process them to operate the service. Feedback you send may be used freely without obligation. You may export your own data at any time on request.

Important: read this section.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY OF AI OUTPUT, OR UNINTERRUPTED AVAILABILITY. WE DO NOT GUARANTEE ANY OUTCOME FROM A COMPLAINT OR RESPONSE; WHETHER AN AGENCY ACCEPTS, INVESTIGATES, OR RESOLVES A MATTER, AND HOW A COMPANY OR TENANT REACTS, IS OUTSIDE OUR CONTROL.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION. OUR TOTAL LIABILITY FOR DIRECT DAMAGES IS CAPPED AT THE GREATER OF (A) FEES YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS. THESE LIMITS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED BY LAW, TO YOUR INDEMNITY OBLIGATIONS FOR FILED MISREPRESENTATIONS, OR TO OUR MISUSE OF YOUR ENCRYPTED CREDENTIALS OUTSIDE THE AUTHORIZATIONS ABOVE.

Some jurisdictions do not allow certain exclusions; in that case they apply to the fullest extent permitted there.

Cancel your subscription online in account settings (same channel used to subscribe) or by email; deletion of your account removes personal data per the Privacy Policy. We may suspend or terminate for material breach, fraud risk, legal compulsion, or non-payment, with notice where practicable. Filings already submitted cannot be withdrawn by termination. Sections 13–15, 17, and 19–21 survive termination.

You will defend and indemnify Compliance Technologies and its personnel against third-party claims, damages, and reasonable attorneys' fees arising from (a) your breach of these terms, (b) content you upload or cause to be filed, including knowingly false statements, or (c) your conduct toward tenants, consumers, or agencies using the platform.

We may improve or discontinue features. For paid plans we will not reduce core paid functionality mid-term; price changes follow Section 8's advance-notice rules, and policy changes affecting everyone follow Section 22.

New York law governs, excluding conflict-of-laws rules. Consumers retain every non-waivable protection of their home jurisdiction's consumer law; EEA/UK users keep mandatory home-country protections notwithstanding this choice.

• Talk first. Send disputes to legal@4eye.me; both sides attempt good-faith resolution for 30 days before formal action.
• Small claims excluded. Either side may bring an individual claim in small-claims court instead.
• Binding individual arbitration. Remaining disputes go to final, binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in New York County, governed by the Federal Arbitration Act. No class, collective, or representative arbitrations; claims may be consolidated only with all parties' written consent. If a court holds the class waiver unenforceable for given claims, only those claims proceed in court.
• California public-injunctive carve-out. Consistent with McGill v. Citibank, nothing waives the right to seek public injunctive relief in a court of competent jurisdiction in California.
• 30-day opt-out. Reject arbitration within 30 days of first accepting these terms by emailing legal@4eye.me with the subject line "Arbitration Opt-Out"; opt-outs are mutual.
• Mass-claim protocol. If 25+ similar demands arrive together, AAA's Mass Arbitration procedures apply, with procedural batching and fee management.

These terms plus the Privacy Policy are the entire agreement regarding the service. Severability applies clause-by-clause. We may assign this agreement in connection with a merger or sale of assets with notice. Force majeure excuses performance during events beyond reasonable control (agency portal outages included). Notices to you go to your account email and are deemed received one day after sending.

When these terms change materially, we automatically email every registered account holder at least 14 days before the new version takes effect, summarizing the changes, and post an in-app notice; the version line above always identifies the governing text. Continued use of the service (or renewal of a subscription) after the effective date constitutes acceptance. If you disagree, cancel your subscription or delete your account before that date; prepaid periods in effect on the date you cancel for this reason are refunded pro rata.

Questions, dispute notices, and arbitration opt-outs: legal@4eye.me. We correspond by email only and do not publish a postal address.