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Terms of Service

Last Updated: February 15, 2026

1. Acceptance of Terms

By accessing or using Tractic ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Tractic ("we," "us," or "our").

2. Description of Service

Tractic is a web-based software platform designed to help real estate investors and property owners:

  • Track rental property portfolios, income, and expenses
  • Monitor progress toward passive income goals (PIG tracker)
  • Connect bank accounts and import transactions via Plaid integration
  • Generate tax reports (IRS Schedule E, Form 1098, Form 4562, etc.)
  • Access AI-powered property intelligence reports and market analysis
  • Analyze projected vs. actual financials (Assumptions vs Actuals)
  • Manage tenant and vendor contacts
  • Perform property underwriting and pro forma calculations

3. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. By using Tractic, you represent and warrant that:

  • You are at least 18 years of age
  • You have the legal capacity to enter into this agreement
  • Your use of the Service complies with all applicable laws and regulations
  • All information you provide is accurate and truthful

4. Account Registration and Security

4.1 Account Creation

To use Tractic, you must create an account using Google OAuth authentication. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your account information to keep it accurate
  • Maintain the security of your account and password
  • Notify us immediately of any unauthorized use of your account

4.2 Account Responsibility

You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from unauthorized access to your account.

4.3 One Account Per User

You may only create one account per person. Creating multiple accounts to circumvent subscription limits or other restrictions is prohibited.

5. Subscription Plans and Payment

5.1 Subscription Tiers

Tractic offers three subscription tiers:

  • Rookie (Free): Up to 2 properties, no bank sync, basic features
  • Pro ($49/month or $509/year): Up to 5 properties, bank sync, tax reports, AI reports
  • All-Star ($99/month or $1,019/year): Unlimited properties, priority support, advanced features

Pricing and features are subject to change with 30 days' notice.

5.2 Free Trial

We may offer a 14-day free trial for new users. After the trial period, your subscription will automatically renew unless you cancel before the trial ends.

5.3 Payment Processing

Payments are processed securely via Stripe. By providing payment information, you authorize us to charge your payment method for the subscription fees. You agree to:

  • Provide accurate and complete payment information
  • Update payment information promptly if it changes
  • Pay all fees and applicable taxes

5.4 Automatic Renewal

Subscriptions automatically renew at the end of each billing period (monthly or annual) unless you cancel. We will charge your payment method on the renewal date.

5.5 Cancellation and Refunds

  • Cancellation: You may cancel your subscription at any time through Settings → Subscription. Cancellation takes effect at the end of the current billing period.
  • Refunds: We do not offer refunds for partial subscription periods. If you cancel mid-cycle, you retain access until the end of the billing period.
  • Exceptions: Refunds may be granted at our sole discretion in cases of billing errors or technical issues preventing service access.

5.6 Price Changes

We reserve the right to change subscription prices with 30 days' advance notice. Price changes will not affect your current billing period but will apply to subsequent renewals.

6. Acceptable Use Policy

You agree NOT to use the Service to:

  • Violate any local, state, national, or international law or regulation
  • Infringe on the intellectual property rights of others
  • Upload or transmit malware, viruses, or malicious code
  • Attempt to gain unauthorized access to the Service or other users' accounts
  • Reverse engineer, decompile, or disassemble any part of the Service
  • Use the Service for any illegal or fraudulent purpose
  • Scrape, data mine, or harvest user data without authorization
  • Interfere with or disrupt the Service or servers
  • Resell, rent, lease, or otherwise commercialize the Service without written permission

7. Intellectual Property Rights

7.1 Ownership

Tractic and its content (including software, design, text, graphics, logos, and trademarks) are owned by Tractic or its licensors and are protected by copyright, trademark, and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal or business use in accordance with these Terms.

7.3 Your Content

You retain ownership of all data you input into Tractic (properties, transactions, contacts, etc.). By using the Service, you grant us a license to use, store, and process your data solely to provide the Service.

8. Third-Party Services

Tractic integrates with third-party services, including:

We are not responsible for the actions, content, or policies of third-party services. Use of third-party services is at your own risk.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

  • Merchantability, fitness for a particular purpose, and non-infringement
  • Accuracy, completeness, or reliability of the Service or any content
  • Uninterrupted, secure, or error-free operation of the Service
  • Defects or errors being corrected

Important Tax Disclaimer: Tractic provides tools to organize financial data and generate reports, but we are NOT tax professionals or accountants. Tax reports generated by Tractic are for informational purposes only and should be reviewed by a qualified CPA or tax advisor before filing with the IRS. We are not responsible for tax filing errors, penalties, or audits resulting from use of our reports.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, TRACTIC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

In no event shall our total liability to you for all claims arising out of or related to the Service exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

11. Indemnification

You agree to indemnify, defend, and hold harmless Tractic and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or related to:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Your content or data uploaded to the Service

12. Termination

12.1 Termination by You

You may terminate your account at any time by navigating to Settings → Account → Delete Account. Upon deletion:

  • Your subscription will be cancelled (no refund for current period)
  • Your data will be deleted within 30 days
  • You will lose access to all features and data

12.2 Termination by Us

We may suspend or terminate your account immediately, without notice, if:

  • You violate these Terms or our Acceptable Use Policy
  • Your payment method fails and you do not update it within 7 days
  • We are required to do so by law
  • We discontinue the Service

12.3 Effect of Termination

Upon termination, all licenses granted to you will immediately terminate. Provisions regarding intellectual property, disclaimers, limitations of liability, and indemnification shall survive termination.

13. Modifications to the Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of the State of Wyoming, without regard to conflict of law principles.

14.2 Arbitration Agreement

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to a jury trial or to participate in a class action lawsuit.

14.3 Exceptions to Arbitration

Either party may seek equitable relief in court to prevent infringement of intellectual property rights or unauthorized use of the Service.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Tractic.

15.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

15.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

15.5 Force Majeure

We are not liable for any delay or failure to perform due to causes beyond our reasonable control, including natural disasters, war, terrorism, pandemics, or government actions.

16. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or through a notice in the Service. Continued use of the Service after changes constitutes acceptance of the updated Terms.

17. Contact Information

If you have questions about these Terms, please contact us: