Terms of Service

SigningOS is intended for licensed notary publics, loan signing agents (LSAs), and related professionals in the United States. By creating an account you represent that you are at least 18 years old and that the information you provide is accurate.

You are responsible for keeping your sign-in credentials secure and for all activity under your account. We can suspend or terminate accounts that violate these terms or that we reasonably believe are being used to harm the service, other users, or third parties.

SigningOS offers a free tier and paid subscriptions, including the Founding Member Annual plan. Subscriptions are billed by Apple through the App Store; cancel or change your plan in iOS Settings → [your name] → Subscriptions. Refunds are handled by Apple under their refund policy. The Founding Member rate is locked in only as long as your subscription remains continuously active; lapsing the subscription forfeits the locked-in rate.

You agree not to:

• Use SigningOS for any unlawful purpose or in violation of any state notary law, federal lending regulation, or other applicable law.
• Upload borrower information you are not authorized to process under your engagement with the signing service or lender.
• Resell, sublicense, or share your account with people outside your own household or business.
• Interfere with or disrupt the service, including by attempting to overwhelm the API, the AI features, or the storage layer with abusive request volumes.

SigningOS, including its mobile application, web companion, edge functions, AI prompts, compliance datasets, and signing service directory, is licensed to you for your own professional use. You may not, directly or indirectly:

• Reverse engineer, decompile, disassemble, or attempt to extract the source code, AI prompts, or proprietary data structures of any SigningOS component.
• Scrape, crawl, or systematically extract content, features, datasets (including state compliance rules, signing service directory entries, and AI-generated outputs), or any other material from the service.
• Use SigningOS or any of its outputs to train, develop, benchmark, or improve a competing product or any machine learning model intended for a competing product.
• Copy, mirror, frame, or rehost any part of the SigningOS user interface, marketing materials, or content on a different domain, application, or platform without express written permission.
• Subscribe with the intent to evaluate, replicate, or reverse engineer the product. Subscription does not grant any license to the underlying intellectual property beyond normal end-user use.

Violation of this section is a material breach of these terms. We may immediately suspend the account, refund or withhold unused subscription value at our discretion, and pursue all available legal and equitable remedies, including injunctive relief and recovery of attorney's fees.

You retain ownership of the data you put into SigningOS — your orders, journal entries, mileage logs, credentials, payments, and notes. We use it only to provide the service to you and as described in our Privacy Policy. You can export your data or delete your account at any time from Settings.

The SigningOS name, logo, app icon, marketing copy, blog posts, state-by-state compliance guides, signing service directory, AI prompts, demand letter templates, and software are owned by SigningOS and protected by U.S. copyright, trademark, and other intellectual property laws. We grant you a personal, non-exclusive, non-transferable license to access and use them as part of the service. We reserve all other rights.

SigningOS is a productivity tool, not a legal or compliance authority. State notary laws change. The compliance rules shown in the app and on this site are summaries we maintain in good faith but are not legal advice. You are responsible for confirming current state requirements, your commission status, your bonding, your E&O coverage, and your tax obligations. The right of rescission, demand letter, and W-9 generators produce drafts intended to be reviewed by you (and where appropriate, your attorney) before use.

The AI Assistant, AI Intake (extract-order), and Scan-back QC features use large language models to generate outputs from your inputs. Outputs may be incorrect, incomplete, or inappropriate for your specific situation. Always verify AI outputs against authoritative sources before relying on them in real signing work.

We work to keep SigningOS available 24/7 but do not guarantee uptime. Maintenance, third-party outages (Apple, Supabase, our AI providers), and unforeseen incidents may interrupt service. We are not liable for damages arising from unavailability.

You can terminate your relationship with SigningOS at any time by cancelling your subscription and deleting your account. We can terminate or suspend your access for breach of these terms, abuse of the service, or as required by law. On termination, your data is deleted from our active systems within 30 days; backups are aged out within 90 days.

SigningOS is provided "as is" and "as available" without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, secure, or error-free.

To the maximum extent permitted by law, SigningOS's total liability for any claim arising from or related to these terms or the service will not exceed the amount you paid us in the twelve months preceding the claim. We are not liable for indirect, incidental, special, consequential, or punitive damages.

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any dispute that is not resolved informally will be filed in the state or federal courts located in Texas, and you and we consent to the personal jurisdiction of those courts.

We may update these terms from time to time. Material changes will be announced inside the app or by email at least 7 days before they take effect. Your continued use after the effective date means you accept the updated terms.

SigningOS does not claim CFPB certification. No such certification exists for software tools, and any vendor that asserts otherwise is overstating their status. The application is built to align with the recognized standards that apply to handling borrower non-public personal information (NPI):

• FTC Safeguards Rule (16 CFR Part 314, revised 2023)
• GLBA Privacy Rule (15 U.S.C. sections 6801 to 6809)
• CFPB Bulletin 2012-03 and Bulletin 2016-02 (third-party service provider expectations)
• NSA Code of Conduct, published by the National Notary Association
• CCPA and other applicable state privacy laws

Full security control documentation lives at signingos.app/security, and our current subprocessor list is at signingos.app/subprocessors. Vendor due-diligence requests and security questionnaires: support@signingos.app.

Questions about these terms: shea@signingos.app.