Version 1.1 · takes effect 2026-10-21

BlockLot — Terms of Service

Version 1.1 · effective 2026-10-21

These Terms of Service (the "Terms") are an agreement between BLOCKLOT LLC, a Florida limited liability company ("BlockLot", "we", "us"), and you. They govern your use of the website we operate, currently at blocklot.ai, and the information services available through it (together, the "Service").

If you create or use an account, you accept these Terms (and acknowledge the Privacy Policy) by checking the acceptance box when you create your account or set your password, or when we ask you to accept them again. Material changes to these Terms require your express re-acceptance as described in § 13; non-material changes take effect on notice. If you are using the Service without an account, § 2 applies to you. If you are accepting on behalf of a company, you represent that you are authorized to bind it, and "you" includes that company.

Read § 8 (Prohibited Uses) and § 9 (No FCRA Use) even if you read nothing else. They are the conditions on which access is offered.

1. What the Service is — and is not

The Service provides access to information about New York City real property that is aggregated from public records published by government agencies (for example, the NYC Department of Finance, Department of Buildings, Housing Preservation & Development, ACRIS, and NY Department of State), together with analytics we derive from those records (scores, groupings, timelines, estimated relationships between entities, and similar "Derived Indicators").

The Service is an informational research tool. It is not: an appraisal or a substitute for one; a title search, title report, or guarantee of ownership or liens; a consumer report (§ 9); legal, financial, investment, or tax advice; or real estate brokerage. We are not licensed appraisers, title agents, brokers, or attorneys, and nothing in the Service creates a professional or fiduciary relationship.

A "Report" is the Service's presentation of information about one property, owner, or entity, whether viewed on a page or exported as a PDF.

2. Use without an account

Parts of the Service are visible without an account, with most values withheld. By accessing the Service in any manner — including by automated means — you agree to these Terms, and in particular to § 8 (Prohibited Uses). If you do not agree, do not use the Service.

3. Eligibility and accounts

You must be at least 18 and using the Service for business or professional research purposes. One account per person; one person per account. You are responsible for everything done under your account. Keep your credentials confidential; sharing them — including with colleagues — is a material breach (§ 12). Notify us at legal@blocklot.ai promptly if you believe your account is compromised. We may limit the number of simultaneous sessions per account.

You may create an account yourself, or we, or a company with a Company Plan (§ 4(k)), may create one for you. These Terms apply in the same way however the account was created. A member of a Company Plan has an account of their own, with their own credentials, and is bound by these Terms individually.

4. Plans, allowances, and limits

Access is offered in plans ("tiers") that differ in the number of Reports you may open per subscription month and in feature depth. Your current allowance and usage are shown in the Service. Allowances count distinct properties, owners, or entities opened in the period — re-opening one you have already opened in the same period does not count again. Hourly and daily limits also apply; they exist to prevent bulk extraction (§ 8) and are designed not to interfere with typical permitted use. We may adjust plan limits prospectively; if we materially reduce what a paid plan includes mid-period, your remedy is a pro-rata refund of the affected period on request.

Fees, billing, and cancellation

(a) Which plans are billed. Paid plans are billed as this section describes. Some plans are free, or are given by us without charge (for example, an evaluation or a "Friends & Family" plan); they are not billed, and paragraphs (b)–(j) do not apply to them. Company Plans are billed as paragraph (k) describes.

(b) Price and billing in advance. A paid plan is billed in advance, monthly or yearly, as shown when you subscribe, at the price shown then. The price may change later under paragraph (l). The first charge is made when you subscribe, and that day becomes your billing date.

(c) Automatic renewal. Your plan renews automatically at the end of each billing period — every month for a monthly plan, every year for a yearly plan — and we charge your payment method on file for the next period at the then-current price, until you cancel. In a month that has no such day, the renewal falls on the month's last day. Your Report allowance is counted and reset monthly, on the same day of the month as your billing date, on monthly and yearly plans alike: a yearly plan gives you twelve monthly allowances, not one yearly one. When you subscribe, and whenever your plan or its price changes, we e-mail you a confirmation of these terms. For a yearly plan we also e-mail you a reminder about 40 days before each renewal, with the renewal date, the price, and how to cancel.

(d) Cancelling. You may cancel online at any time from the billing page of your account, without contacting us. Cancellation takes effect at the end of the billing period you have already paid for. You will not be charged again, and you keep your plan's access until that date. After it, your account stays open at the free, registered level.

(e) Changing plans. An upgrade takes effect immediately: we charge the prorated difference for the rest of the current billing period at once, and Reports you have already opened in the current allowance month count against the new plan's allowance. A downgrade takes effect at the start of your next billing period, and until then you keep your current plan. A switch between monthly and yearly billing is prorated in the same way.

(f) Taxes. Prices do not include taxes. Where we are required to collect sales, use, or similar taxes, they are calculated and added at checkout or on the invoice, and you will pay them. A refund includes the proportional part of any tax charged.

(g) Refunds. 1. Our billing errors — a duplicate charge, a charge after you cancelled, or a charge for a plan you did not choose — are refunded in full. 2. First payment. If you ask within 7 days of your first payment for a plan, we refund that payment in full and end the plan immediately. This applies to monthly and yearly plans alike. 3. Otherwise, payments are not refundable. We do not refund part of a month or part of a year. If you cancel during a billing period, you keep access until it ends (paragraph (d)). 4. Pro-rata refunds of the unused part of the current billing period are due where these Terms promise them: a material mid-period reduction of a paid plan (this § 4), termination without cause (§ 12), and a material change to these Terms that you do not accept (§ 13). 5. We may, at our discretion, give a full or partial refund in other circumstances. Doing so once does not oblige us to do it again.

Refunds are made to the original payment method. Ask at billing@blocklot.ai, from the e-mail address on your account.

(h) Failed payments. If a payment fails, our payment processor retries it for up to about two weeks, and we ask you to update your payment method. You keep your plan's access while the payment is being retried. If the payment has still not succeeded when the retries end, your plan is cancelled and your account returns to the free, registered level. You may subscribe again at any time.

(i) Payment processing. Payments are processed by Stripe, Inc. You enter your card or bank details on Stripe's own pages. They are not sent to BlockLot, and we do not store them. The Privacy Policy describes what Stripe receives from us.

(j) No trials. We do not currently offer free trials of paid plans. If we offer one, its terms, including when it converts to a paid plan, will be shown before you start it.

(k) Company Plans. This paragraph applies where a company has agreed with us to give access to individuals it names (a "Company Plan"; the company's named individuals are its "members"). 1. The company, not the member, is our customer for billing. Members are not charged, and they do not subscribe to or cancel the Company Plan themselves. While you are a member of a Company Plan, you cannot also buy a paid plan of your own. 2. A Company Plan is billed monthly, in advance, at the price agreed with the company. We send the company an invoice each month, payable by bank transfer (ACH) or card on the invoice's payment page. Payment is due 15 days after the invoice date (net 15), unless we have agreed different terms with the company in writing. 3. If an invoice remains unpaid 14 days after its due date, we may suspend the Company Plan. While it is suspended, members keep their accounts but lose the Company Plan's access. When the overdue invoice is paid, access is restored, unless the Company Plan or a member's account is suspended for another reason under § 12. 4. Each member must accept these Terms individually (§ 3) and is personally bound by them. The company's agreement to pay does not replace any member's acceptance, and the company paying does not excuse a member's breach. 5. What the company's managers see and do. People the company names as its managers can invite members, suspend and reactivate them, and set a member's monthly allowance within the company's pool. They see each member's name, e-mail address and status, and how many Reports the member has opened in the current period — a count, not which Reports, when, or from where. They also see the Company Plan's billing status and invoices. 6. Paragraphs (f) (taxes) and (i) (payment processing) apply to Company Plans. The term, renewal, cancellation, and refunds of a Company Plan are as agreed with the company.

(l) Price changes. We may change the price of a paid plan. A new price applies to new subscriptions from the day we publish it. For an existing subscription, we will tell you by e-mail and in the Service at least 30 days before the new price applies, and it applies from your first renewal on or after that date — for a yearly plan, your next yearly renewal. If you do not want to pay the new price, cancel before that renewal (paragraph (d)). If you do not cancel, the new price is charged at renewal. A price change alone does not entitle you to a refund of a period you have already paid for. A Company Plan's price changes as agreed with the company, or on the same 30 days' notice to its billing contact.

5. Your license to use the Service

Subject to these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable license to access the Service and to use Reports you lawfully open for your own internal business purposes.

You may share an individual Report (including its PDF) with a client, counterparty, or advisor in the ordinary course of a specific matter or transaction — but only for lawful property or transaction research, only when you have no reason to believe the recipient will use it for a Prohibited Use (§ 8–9), and only with all disclaimers and identifying marks (§ 10) intact. Sharing with a lender must not be for use in any consumer eligibility decision, appraisal, collateral valuation, or regulated underwriting. You may not share Reports systematically, for compensation for the Report itself, or as a substitute for the recipient having their own access. You remain responsible for use of a Report that you direct, authorize, or knowingly facilitate. All rights not expressly granted are reserved.

6. Ownership

The Service — its software, design, compilation, selection and arrangement, Derived Indicators and methodology, and trademarks — is owned by BlockLot or its licensors. The underlying government records are public facts; we claim no ownership of a fact, and these Terms do not restrict your right to obtain the same facts from the government sources yourself. What these Terms restrict is the use of our Service as the means of acquisition, at scale, of our compilation and our derived work. If you send us feedback, we may use it without obligation.

7. Acceptable use — the principle

The Service sells access, metered by Reports — not the dataset. Anything that converts your access into a copy of a material part of the dataset, or into a service for people who have not agreed to these Terms, is outside the license, whatever the method.

8. Prohibited uses

You will not, and will not permit or assist anyone else to:

(a) Extraction. Scrape, crawl, spider, or harvest the Service by any automated means; use scripts, bots, headless browsers, or bulk-download tools against it; bypass, probe, or overload any rate limit, allowance, metering, masking, or access control; access the Service by any interface other than the web pages we serve (we currently offer no API, and any endpoint you may discover is not offered for use); or systematically collect Reports, search results, page structure, or masked-page scaffolding, whether or not values are visible.

(b) Redistribution. Resell, sublicense, rent, publish, or otherwise redistribute the Service or any material part of its contents; build or contribute to any database, product, dataset, model training corpus, or service using contents obtained from the Service; or frame, mirror, or cache the Service for others.

(c) Screening and other regulated uses. Use the Service for any purpose prohibited by § 9 (tenant, employment, credit, or insurance screening); as a source of rental availability information; to represent any output as an appraisal, valuation for lending, title search, or ownership guarantee; to discriminate against any person or steer housing opportunity in violation of the Fair Housing Act, the NYC Human Rights Law, or any other law; to compile or publish tenant histories or deny tenancy based on past landlord-tenant court proceedings (NY RPL § 227-f); or to harass, stalk, or intimidate any individual, or to locate an individual for harassment, surveillance, personal targeting, or skip-tracing unrelated to lawful property or transaction research.

(d) Contacting people. Where the Service displays contact information from public filings, you will not use it for: automated, artificial-voice, or prerecorded calls; automated or bulk text messages; calls to numbers on any applicable Do-Not-Call registry; bulk telephone-contact campaigns generated from the Service; or building, selling, or transferring contact lists. Lawful postal outreach and individually initiated, lawful communications are permitted. You are solely responsible for complying with all laws governing any contact you make — including the TCPA and CAN-SPAM (which applies to business e-mail as well).

(e) Security. Probe, scan, or test the vulnerability of the Service; attempt to access another user's account or data; interfere with the Service's operation; or misrepresent your identity or affiliation to obtain access (including posing as a search engine crawler).

(f) Accounts and limits. Share credentials; let more than one person use one person's account, including across a team (a Company Plan gives each member an account of their own, § 4(k)); create or use multiple accounts to multiply allowances; or use the Service after suspension.

We may investigate suspected violations. You acknowledge that usage is logged per account (§ 10) and that exceeding the license is detectable and attributable.

9. No FCRA use — read this section

BlockLot is not a consumer reporting agency, and the Service does not provide "consumer reports" as defined by the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. The Service's information is drawn from public records, is not collected or maintained for the purpose of determining any consumer's eligibility for anything, and has not been verified to FCRA accuracy standards.

You will not use the Service, in whole or in part, as a factor in establishing any consumer's eligibility for credit, insurance, employment, housing or tenancy, government benefits or licenses, or for any other purpose that would make the information a consumer report or require a permissible purpose under the FCRA.

You represent and warrant, when accepting these Terms and continuously while using the Service, that: (a) you are not acquiring or using access for any such screening or eligibility purpose; (b) the intended use you stated when your account was created was truthful; (c) you will notify us at legal@blocklot.ai before your use changes in any way that could implicate this section; (d) if you accepted these Terms on behalf of an organization, you will ensure that every individual who uses the Service under the organization's accounts complies with this section (each individual still needs their own account, § 3); and (e) we may suspend access while we investigate a suspected violation. Violation of this section is a material breach and grounds for immediate termination, and you will indemnify us for its consequences (§ 15).

10. Watermarks, logging, and audit

Report exports (PDFs) identify the account that generated them, visibly and in metadata. We log Report views, metered searches, authentication and account-security events, and request-level technical information against your account, with timestamps, retained per the Privacy Policy. You will not remove, alter, or obscure watermarks or identifying marks. These measures exist to enforce § 7–8. Watermarks are intended to assist attribution; they do not prevent copying and are not a guarantee of attribution.

11. Accuracy — what you may and may not rely on

Public records contain errors, omissions, and delays, and agencies revise them. Recording a document is not proof of its legal effect. Derived Indicators are inferences from stated inputs, not verdicts or professional opinions; a "distress signal" is a flag that certain records exist, not a statement that a building or owner is failing. Reported sale prices may reflect multi-property transactions or non-market transfers. A date shown may represent the source's own event date, the time our stored record last materially changed, the time a Derived Indicator was computed, or the time a source was last checked, as labeled; no date is a guarantee of present status.

Accordingly: verify anything material against the primary government source before acting on it; do not use the Service as the sole basis for any transaction, filing, or legal position. The Service is provided "AS IS" and "AS AVAILABLE," without warranties of any kind, express or implied, including accuracy, completeness, currency, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted or error-free operation.

We maintain a corrections process (see the Privacy Policy and /corrections). If you find an error attributable to us rather than to the underlying record, tell us and we will review it promptly.

12. Suspension and termination

You may stop using the Service at any time, and you may cancel a paid plan online at any time, effective at the end of the billing period you have paid for (§ 4(d)). We may suspend or terminate your access immediately for breach of § 3, 7–10, for non-payment, where required by law, or where your use creates risk to the Service or to third parties; for material breach, no refund is due. We may also terminate without cause on reasonable notice, in which case we will refund the unused pro-rata portion of any prepaid fees. On termination your license ends and your credentials are disabled; individual Reports you lawfully exported before termination remain subject to § 5 and § 8–10, which survive.

13. Changes to the Service and to these Terms

The Service evolves; features, sources, and limits may change. We may amend these Terms by posting the new version with a new effective date and, for account holders, providing notice in the Service at least 14 days before material changes take effect. Continued use after the effective date is acceptance; material changes will also be presented for express re-acceptance at your next sign-in. If you do not accept, stop using the Service; if you have a paid plan, you may cancel it and receive a pro-rata refund of the unused part of the current billing period (§ 4(g)(4)).

14. Limitation of liability

To the maximum extent permitted by law: neither party is liable for indirect, incidental, consequential, special, or punitive damages, or for lost profits, revenue, or data; and BlockLot's total liability arising out of or relating to the Service or these Terms will not exceed the greater of (a) the fees you paid us in the twelve months before the event giving rise to liability, and (b) one hundred U.S. dollars ($100). These limits do not apply to your obligations under § 8–9, § 15, or to either party's liability that cannot be limited by law. The Service's price reflects this allocation of risk.

15. Indemnification

You will defend and indemnify BlockLot and its members, officers, and agents against third-party claims, and resulting damages and reasonable attorneys' fees, arising from your breach of § 8 (Prohibited Uses) or § 9 (No FCRA Use), or from decisions you make or actions you take toward any person based on the Service.

16. Governing law and disputes

These Terms are governed by the laws of the State of Florida, excluding conflicts rules. The exclusive venue for disputes is the state or federal courts sitting in Miami-Dade County, Florida, and each party consents to their jurisdiction; either party may instead bring a qualifying claim in small-claims court, and we may seek injunctive relief against § 8 violations in any court of competent jurisdiction. Each party waives trial by jury, and claims may be brought only individually — not as a plaintiff or class member in any class or representative proceeding.

17. General

These Terms (together with any invitation or evaluation agreement, which controls over these Terms for its evaluators during its term) are the entire agreement regarding the Service. The Privacy Policy describes our data practices and you acknowledge it; it is not incorporated into this agreement as a warranty, except to the extent applicable law provides otherwise. If a provision is unenforceable, the rest stands, and the provision is enforced to the maximum extent permitted. Our failure to enforce is not waiver. You may not assign these Terms; we may. Neither party is liable for delay or failure caused by events beyond reasonable control. §§ 5–6, 8–11, 14–17 survive termination.

Notices to us: BLOCKLOT LLC, 12955 Biscayne Blvd Ste 200 PMB 770, Miami, FL 33181, or legal@blocklot.ai. Notices to you: your account e-mail, or by posting in the Service.