Terms of Service

Effective: July 25, 2026  ·  Last updated: July 25, 2026

These Terms of Service (the “Terms”) are a binding agreement between you (“you”) and Permitt Holdings LLC, a Texas limited liability company doing business as WhoOwnsTexas (“WhoOwnsTexas,” “we,” “us”). They govern your access to and use of the website at whoownstexas.com, the WhoOwnsTexas application, the data made available through them, and any related services (together, the “Service”).

By creating an account, logging in, or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Who may use the Service

You must be at least 18 years old and able to form a binding contract. If you use the Service on behalf of a company or other organization, you represent that you are authorized to bind that entity, and “you” means both you and that entity.

2. Accounts, seats, and trials

• Provisioned access. Accounts are created by us or through our sign-up flow. You are responsible for the accuracy of your account information.
• Credentials are personal. You may not share your login, password, or session with anyone else, and you may not allow anyone outside your licensed seats to use the Service through your account. You are responsible for all activity under your account.
• Seats. A Pro plan licenses one named individual user. A Team plan licenses up to five named individual users within a single organization. Seats are per person, not concurrent — passing one login among several people is a breach of these Terms.
• Trials. Trial access is full-featured, time-limited (currently seven days from first login), offered once per person or organization, and provided for evaluation. We may modify, shorten, or end trial access at any time.
• Security. Tell us promptly at toby@whoownstexas.com if you believe your account has been compromised.

3. Fees, billing, and cancellation

• Current pricing is shown on whoownstexas.com. Prices are in U.S. dollars and exclude any applicable taxes, which are your responsibility.
• Auto-renewal. Monthly and annual subscriptions renew automatically at the then-current rate for your plan until cancelled. Payments are processed by Stripe; by subscribing you authorize recurring charges to your payment method.
• Cancellation. You may cancel at any time. Cancellation takes effect at the end of the paid period, and you keep access until then. We do not prorate or refund partial periods except where required by law or at our discretion.
• Founding rates. Where we offer a discounted “founding” rate, it applies for as long as your subscription remains continuously active on that plan. If you cancel, lapse for non-payment, or downgrade, the founding rate may no longer be available to you.
• Failed payments. If a payment fails we may suspend access until the balance is settled, and may terminate the account if it remains unpaid.
• One-time products (such as evidence packets, farm reports, or list deliverables) are delivered as described at the time of purchase and are generally non-refundable once delivered.
• Price changes. We may change prices for future periods with at least 30 days' notice to the email on your account. Continuing to use the Service after a price change takes effect constitutes acceptance.
• Chargebacks. If you dispute a charge without first contacting us, we may suspend or terminate your account.

4. Your license, and what you may not do

Subject to these Terms and your payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access the Service and to use the data it makes available for your own internal business or personal research purposes, including contacting property owners in compliance with applicable law.

Prohibited uses

You may not, directly or through anyone else:

• Resell, license, republish, syndicate, or otherwise redistribute the data, in whole or in substantial part, to any third party, or make it available through any product, feed, dataset, or service of your own;
• Bulk-extract data by scraping, crawling, headless browsers, automated queries, screen capture, or any means designed to obtain more than the export volumes included in your plan;
• Exceed, evade, or attempt to evade export limits, rate limits, or usage caps, including those applicable to the AI assistant;
• Use the Service, or data obtained from it, to build, train, or improve a competing product, database, or machine-learning model;
• Access the Service by any automated means other than an interface we expressly provide for that purpose, or use another person's credentials;
• Attempt to identify, re-identify, or circumvent the suppression of owners whose information is confidential under Texas Tax Code §25.025 or any other law (see §6);
• Use the data to harass, stalk, threaten, intimidate, or unlawfully discriminate against any person;
• Use the data for any purpose regulated by the federal Fair Credit Reporting Act — including decisions about credit, insurance, employment, tenant screening, or any other eligibility determination (see §5);
• Send unlawful commercial email, text messages, or calls using contact information obtained through the Service, or otherwise violate the CAN-SPAM Act, the Telephone Consumer Protection Act, Texas telemarketing law, or any do-not-call or do-not-contact requirement;
• Probe, scan, penetration-test, overload, or interfere with the Service or its infrastructure, or attempt to access data you are not authorized to access;
• Remove, obscure, or alter any proprietary notice, or reverse engineer any part of the Service.

We may monitor usage for compliance and may suspend access immediately where we reasonably believe a prohibited use is occurring.

5. Not a consumer reporting agency

WhoOwnsTexas is not a consumer reporting agency as defined by the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.), and the Service is not a consumer report.

The data is compiled from government public records and is not assembled or evaluated for the purpose of determining any person's eligibility for credit, insurance, employment, housing, or any similar purpose. You may not use the Service for any FCRA-regulated purpose, and you agree to comply with the FCRA and all other applicable laws governing your use of information about individuals.

6. Public records, confidential owners, and removal requests

The data in the Service originates with government bodies, including county appraisal districts, county clerks, the Texas Comptroller of Public Accounts, other Texas state agencies, and federal agencies. We obtain it through public-records channels and publicly published datasets.

Confidential owners. Texas Tax Code §25.025 allows certain individuals — including judges, peace officers, and victims of family violence — to restrict public access to their home-address information in appraisal records. Where a source record is flagged as confidential, we suppress the associated owner identity in the Service. This suppression depends on the flag being present in the source data; we cannot detect an entitlement that the county has not recorded.

If you believe your information is entitled to confidential treatment, the durable remedy is to file the applicable election with your county appraisal district, which updates the source we ingest. You may also write to us at toby@whoownstexas.com and we will review and, where appropriate, suppress the information in the Service; see the Privacy Policy for how we handle such requests.

7. The AI assistant (“Tex”)

The Service includes an AI assistant that answers questions over the same data your account is authorized to see. To provide it, your questions and the relevant retrieved data are transmitted to our AI processor (currently Anthropic) for processing.

• AI output can be wrong. It may misinterpret a question, omit relevant records, or state something inaccurate with apparent confidence. Treat every answer as a starting point to verify, not a conclusion to rely on.
• It is not an appraisal. Any value figure, estimate, comparison, or “automated valuation” produced by the Service or the assistant is an automated statistical output and is not an appraisal, is not prepared by a licensed appraiser, and must not be represented as an appraisal or used where one is required.
• Usage limits apply and may change. Automated or abusive use of the assistant is prohibited under §4.

8. Intellectual property

Underlying government records are public. However, the Service — including its selection, normalization, matching, enrichment, scoring, and arrangement of data; its derived datasets and confidence scores; its software, interfaces, and visualizations; and the WhoOwnsTexas name, logo, and branding — is our property or our licensors', and is protected by intellectual-property law. These Terms grant you access, not ownership. All rights not expressly granted are reserved.

If you send us feedback or suggestions, you grant us a perpetual, royalty-free license to use them without obligation to you.

9. Disclaimers

The Service and all data are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. We specifically disclaim all implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and completeness.

Without limiting that disclaimer, we do not warrant that:

• the data is accurate, current, complete, or free of error — source records vary in quality, are updated on each government body's own schedule, and may lag reality by weeks, months, or longer;
• coverage is uniform — the counties, data layers, and enrichments available differ from county to county and may change;
• ownership, deed, entity, or officer relationships shown are legally determinative — record matching involves inference, and confidence indicators are estimates, not guarantees;
• flood-zone, boundary, or geographic information is authoritative — it is not a survey and not a substitute for FEMA's official maps or a licensed surveyor;
• the Service will be uninterrupted, secure, or error-free, or that defects will be corrected.

No professional relationship. Nothing in the Service constitutes legal, tax, accounting, appraisal, brokerage, lending, or investment advice, and no attorney-client, fiduciary, or professional relationship is created by your use of it. Do not use the Service as the sole basis for any purchase, sale, loan, lien, title, insurance, valuation, protest, or litigation decision.

10. Limitation of liability

To the maximum extent permitted by law, neither Permitt Holdings LLC nor its members, officers, employees, contractors, or suppliers will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost revenue, lost data, lost business, or business interruption, arising out of or relating to the Service — even if we have been advised of the possibility of such damages.

Our total aggregate liability for all claims relating to the Service will not exceed the greater of (a) the total fees you actually paid us in the twelve months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

These limits apply regardless of the theory of liability and survive termination. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

11. Indemnification

You will defend, indemnify, and hold harmless Permitt Holdings LLC and its members, officers, employees, and contractors from and against any claim, demand, loss, liability, penalty, or expense (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service or of data obtained through it; (b) your breach of these Terms; (c) your violation of any law or of any third party's rights, including any claim arising from your marketing, calling, emailing, or texting activity; or (d) content or instructions you submit to the Service.

12. Suspension, termination, and data on termination

You may stop using the Service and cancel at any time. We may suspend or terminate your access, with or without notice, if you breach these Terms, if your payment fails, if we reasonably suspect misuse or a security risk, or if we discontinue the Service.

On termination your license ends immediately and you must stop using the Service. Data you lawfully exported before termination remains subject to §4 and §5 — in particular, the prohibitions on resale, redistribution, and FCRA use survive. We may delete your account data after termination in accordance with the Privacy Policy.

13. Changes to the Service and to these Terms

The Service is under active development. We may add, change, or remove features, counties, data layers, or limits at any time. We may also modify these Terms; if we make a material change we will post the updated Terms with a new “Last updated” date and, for active subscribers, notify the email on your account. Changes apply prospectively. Continuing to use the Service after changes take effect constitutes acceptance.

14. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. The exclusive venue for any dispute is the state or federal courts located in the State of Texas, and you and we consent to personal jurisdiction there.

Talk to us first. Before filing any claim, you agree to contact us at toby@whoownstexas.com with a description of the dispute and to work in good faith for 30 days to resolve it informally.

15. General

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between us regarding the Service and supersede prior discussions.
• Severability. If any provision is unenforceable, the rest remains in effect.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. Neither party is liable for delays caused by events beyond its reasonable control, including the acts or outages of government data sources or infrastructure providers.
• Survival. Sections 4, 5, 8, 9, 10, 11, 12, 14, and 15 survive termination.

16. Contact

Permitt Holdings LLC d/b/a WhoOwnsTexas
A Texas limited liability company
toby@whoownstexas.com