Terms of Service

Effective date: November 2, 2026

1. Who We Are

Studio4Agents and Studio4Lenders are operated by Strategies 4WARD LLC. In these Terms, "Studio4Agents," "we," "us," and "our" mean Strategies 4WARD LLC.

Studio4Agents provides a real estate marketing platform that helps licensed real estate agents create and distribute social media content, market updates, listing materials, open house tools, and related marketing assets. Through Studio4Lenders, the same platform lets licensed mortgage loan officers share marketing content with real estate agents and, on paid plans, sponsor agents' use of the Service.

2. Eligibility

You must be at least 18 years old and a licensed real estate professional, a mortgage loan originator with an active NMLS registration or license, or a brokerage, lender or association acting on behalf of such licensees, to use the Service. By registering, you confirm you meet these requirements.

3. Account Registration

You agree to provide accurate, complete information during registration including your legal name, email, phone number, brokerage or company, and your real estate license number or, for loan officers, your individual NMLS ID and your company's NMLS ID. You are responsible for all activity under your account. Notify us immediately at sgentry@strategies4ward.com if you suspect unauthorized access.

4. Subscriptions and Billing

The Service is offered on a subscription basis, billed monthly or annually at rates published on our website. All fees are in U.S. dollars and are non-refundable except as required by law.

Free trial. When we offer a free trial, a payment card is required to start it. You will not be charged during the trial. Unless you cancel before the trial ends, your subscription starts automatically when the trial ends and your card is charged the plan price shown when you signed up, and then on each renewal. You can cancel the trial at any time from your account, and nothing will be charged. If you choose to start your plan early, your card is charged that day and the trial ends. Each person or account may use one free trial.

Introductory prices. An introductory price applies for the period stated when you sign up. After that, your subscription renews at the standard price then published on our website.

Renewal and cancellation. Subscriptions renew automatically at the end of each billing period, monthly or yearly, unless you cancel before the renewal date. You may cancel at any time from Billing & subscription in your account menu. Cancellation stops the next renewal; you keep access until the end of the period you have already paid for. We do not give refunds or credits for the unused part of a billing period. Yearly plans are not refunded if you cancel; your plan runs to the end of the year you paid for.

Hardship. At our discretion, we may issue a prorated refund of the unused portion of an annual plan if the account holder passes away, becomes unable to work, or leaves the real estate or lending profession. The account holder or a family member or representative can request this by emailing sgentry@strategies4ward.com.

Sending limits. To protect deliverability for all members, accounts have limits on how many emails they can send, and trial accounts have lower limits. We may hold, limit or pause email sending from an account, for example after spam complaints or a high number of bounced emails.

Referral credits and the affiliate program are covered by our Affiliate & Referral Program Terms.

We reserve the right to change pricing with at least 30 days' notice. Continued use after a price change constitutes acceptance. Payments are processed by Stripe, Inc., and Stripe's terms also apply to payment transactions.

5. Acceptable Use

You agree not to:

• Generate or distribute content that is false, misleading, defamatory, or violates fair housing or real estate advertising laws.
• Resell or sublicense the Service or its generated content to third parties without written consent.
• Reverse-engineer, scrape, or extract source code or proprietary algorithms from the Service.
• Use the Service in violation of any applicable law, including the NAR Code of Ethics, RESPA, or state real estate licensing requirements.
• Upload malicious code, spam, or content that infringes the intellectual property rights of others.

6. Content and Intellectual Property

Your content: You retain whatever rights you hold in content you upload (photos, logos, testimonials, listing information). By uploading, you grant us a limited license to store, display, and process it solely to provide the Service.

Listing data and media: When you add a listing or upload listing information, photos, video, or other media, you represent and warrant that you are authorized to market that property — as the listing agent or listing firm, or with the permission of the listing broker — and that you hold all permissions and licenses needed to use and publish that information and media (which may be owned by the listing broker, the seller, a photographer, or another party). Permission to advertise a property does not by itself grant rights to every photo or item of media associated with it. Where you market another broker's listing, the Service can add attribution you provide (for example, "Listing courtesy of…"); that attribution is not a representation that your marketing satisfies any particular MLS, state, or brokerage requirement, and you remain responsible for any additional disclosures those rules require. You agree to indemnify Studio4Agents against claims arising from listing information or media you upload without the necessary authority or rights.

Our content: All platform software, templates, AI-generated copy suggestions, designs, and features are owned by or licensed to Studio4Agents. You may not copy, modify, or distribute them outside the Service.

Generated marketing content: Content the Service generates for you (social captions, market summaries, email copy, etc.) is provided for your personal business use. You are responsible for reviewing and ensuring compliance with applicable laws and your brokerage's policies before publishing.

7. Third-Party Services

The Service integrates with Stripe (payments), supported CRMs (such as BoldTrail, Follow Up Boss, or Lofty), social media platforms, and AI assistants you choose to connect. Your use of those integrations is subject to their respective terms. We are not responsible for the acts or omissions of third-party services.

8. Social Media Publishing Authorization

You may connect a Facebook Page or LinkedIn account to the Service. Facebook's own rules require that connected account to be a business Page, not a personal profile — you are responsible for creating and maintaining the appropriate business account on each platform.

• Authorization to post: By connecting an account, you authorize Studio4Agents to publish content to it on your behalf, limited to posts you create, schedule, or otherwise approve through the Service. We will not publish content you have not authorized.
• Your responsibility: You are solely responsible for the content published to your accounts, including its accuracy and compliance with fair housing, advertising, and other applicable laws, as well as each platform's own terms and community standards.
• Performance data: Where the platform's API makes it available, we retrieve and display performance metrics (such as reach, impressions, and engagement) for posts published through the Service.
• Revocation: You may disconnect a social account at any time from Settings, which immediately revokes our access.
• No guaranteed access: Facebook and LinkedIn control their own APIs and may change, limit, or revoke access independent of us. We are not liable for posting failures or data unavailability caused by changes to a third-party platform.

8A. Connecting an AI Assistant

• Optional: The AI Connector is optional and available on eligible plans. By connecting an assistant, you direct Studio4Agents to make your account information available to it, and to carry out the actions you permit, as described in our Privacy Policy.
• Third-party provider: The AI provider is a third party. Its own terms and privacy policy govern your use of it, and we are not responsible for its services or outputs.
• Review before you rely on it: AI output can be wrong. Review anything an assistant drafts or changes before you rely on it or send it. You remain responsible for the content and compliance of your marketing and communications, including fair housing, advertising, consent, telemarketing and email laws, and the REALTOR® Code of Ethics.
• Your AI account: Anyone with access to your AI account may be able to see your Studio4Agents information, or take the actions you permitted, through it. Keep that account secure, and disconnect if you lose control of it.
• Changes: We may set usage limits, and may change, suspend or discontinue the connector.

9. Loan Officer Accounts (Studio4Lenders)

These additional terms apply if you use the Service as a mortgage loan officer, on the free Studio4Lenders plan or a paid plan.

• Accurate licensing information: You must keep your individual NMLS ID, your company's NMLS ID, your company's legal name and your contact details accurate and current. Your personal share links and branded images are not activated until both NMLS IDs are on file. We may check the format of what you enter but we do not verify your licensing status; you remain responsible for it. We may suspend an account whose licensing information is false or no longer valid.
• What is shown publicly: When you share content through the Service, your name, photo, company, NMLS IDs, contact details and an Equal Housing notice are displayed on the article pages and share images your links open, so readers can see who is advertising. If you sponsor agents, the same compliance information appears on co-branded materials those agents share.
• Your advertising and regulatory obligations: You are responsible for making sure your use of the Service complies with the laws and rules that apply to you, including the SAFE Act and state licensing and advertising rules, Regulation Z and the Mortgage Acts and Practices — Advertising Rule (Regulation N), the Telephone Consumer Protection Act and CAN-SPAM for your own outreach, fair lending laws, and any approval your employer or company requires before you advertise.
• Arrangements with agents (RESPA): If you sponsor agents or otherwise pay for services they receive, you are solely responsible for structuring that arrangement so it complies with the Real Estate Settlement Procedures Act, including Section 8, and any similar state law. Sponsorship fees pay for access to marketing services, not for referrals, and must never be conditioned on or tied to referrals of settlement-service business. Studio4Agents does not give legal advice; consult your own counsel and compliance team.
• Free plan: The free Studio4Lenders plan includes a weekly article to share, a library of shareable content, your engagement statistics and a profile. It is limited to one account per person and may be changed, limited or discontinued at any time. Paid features (such as homebuyer content, Studios and the planner) require a paid plan. Content shared on the free plan must be shared through the personal links and share tools provided, without removing attribution or compliance information.
• Where your profile appears: Free-plan profiles appear only on Strategies4Agents content shared through your links. Advice4Homeownership placement, homebuyer lead capture and sponsored placements are paid features.

10. Information You Collect From Others

Through the Service you may receive or store information about other people — for example open house sign-ins, questions and leads submitted through your links, guide downloads attributed to you, and contacts you add. As between you and us, you control that information and decide how it is used, and you are responsible for having a lawful basis to collect it and to contact those people.

We process that information on your behalf, only to provide the Service to you (including delivering it to you, storing it, and sending it to tools you connect). We do not sell it and do not use it for our own marketing to those people, except for messages a person requests from us directly, such as a guide they asked to receive. Our handling of it is described in our Privacy Policy.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. GENERATED CONTENT IS A STARTING POINT — ALWAYS REVIEW BEFORE PUBLISHING.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STUDIO4AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

13. Termination

Either party may terminate at any time. We may suspend or terminate your account immediately for breach of these Terms, fraudulent activity, or as required by law. Upon termination, your right to use the Service ceases immediately.

14. Governing Law

These Terms are governed by the laws of the State of North Carolina. Disputes shall be resolved in state or federal courts in North Carolina. Before filing any legal claim, contact us at sgentry@strategies4ward.com and allow 30 days for informal resolution.

15. Changes to These Terms

We may update these Terms from time to time, for example when we add features or when the law changes. When we do, we will post the updated Terms on this page and change the effective date at the top. If a change is material, we will also tell account holders by email or in-app notice before or when it takes effect.

Changes apply going forward only. They do not change charges already billed to you or affect a dispute that arose before the change took effect.

If you do not agree to updated Terms, you may stop using the Service and cancel your account before they apply to you. Continuing to use the Service after the effective date means you accept the updated Terms.

16. Contact

Questions? Contact us at sgentry@strategies4ward.com
Strategies 4WARD LLC, operator of Studio4Agents · studio4agents.com

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