Terms of Service

The Service

Debt Bomb Analyzer™ is a real estate portfolio risk diagnostic service operated by HUFF Real Estate Group ("we," "us," "our") in San Antonio, Texas. The service analyzes your real estate loan documents to identify cross-default clauses, cross-collateralization provisions, personal guaranty exposure, springing recourse triggers, maturity risks, and other structural risk factors across your portfolio entities.

By engaging our service or using this website, you ("Client") agree to these Terms of Service. If you do not agree, do not engage our service.

Not Legal Advice

The Debt Bomb Analyzer™ is a document intelligence and risk identification service. We are not a law firm and Bill Huff is not an attorney. Nothing we produce — including but not limited to the Diagnostic Report, Attorney Summary Memorandum, Portfolio Q&A responses, or any other written or verbal communication — constitutes legal advice, legal opinion, or a legal conclusion.

Our reports identify language and structural patterns that may warrant legal review. They do not tell you what to do about them. You should engage qualified real estate counsel in your jurisdiction before taking any action based on our findings. The Attorney Summary Memorandum we produce is a document intended to be handed to your attorney — it is not a substitute for their analysis.

Engagement Scope

Each engagement covers a single client portfolio as defined at the time of engagement creation. The scope includes:

• AI-assisted classification and scanning of all uploaded loan documents
• Cross-entity connection detection across all entities in the engagement
• Generation of a full diagnostic report package (Diagnostic Report, Attorney Memorandum, Guarantee Matrix, Lender Matrix, Document Index)
• One After-Action Review session conducted by email or video call
• Portfolio Q&A access for questions about your extracted findings
• Source document deletion within 30 days of engagement close, per your NDA

Additional properties, entities, or documents added after the initial engagement scope is confirmed may result in additional fees at the applicable per-property rate.

Pricing and Payment

Engagement pricing is based on the total number of properties in scope:

• Base rate: $595 for up to 5 properties
• Additional properties: $59 per property above 5

Payment is due before document intake begins. We accept payment via the Stripe payment link provided in your engagement confirmation. Work does not begin until payment is confirmed.

Refund policy: If we are unable to extract usable text from your documents due to document quality issues, we will refund your payment in full. No refund is available once the AI analysis has been completed and findings have been generated, as the primary analytical work has been performed at that point.

Client Obligations

To receive accurate results, you agree to:

• Provide complete, legible PDF versions of your loan documents — not photocopies of photocopies or scanned documents with obstructed text
• Identify your entities and lenders accurately at engagement setup
• Review the AI document classifications during the Document Intake step and correct any misclassifications before confirming
• Maintain the confidentiality of your report and findings as specified in your NDA
• Not use our reports or findings for any unlawful purpose

We are not responsible for findings missed due to documents you did not provide, illegible documents, or entity information you provided inaccurately.

Accuracy and Limitations

Our AI analysis identifies risk language patterns in the documents you provide. The system is designed to flag language that warrants review — it is not a guarantee that all risk language in your documents has been identified. Factors that may affect completeness include:

• Poor document scan quality that prevents text extraction
• Non-standard or highly abbreviated legal language
• Documents not included in the engagement scope
• Risk language in document attachments or exhibits not uploaded separately

All AI findings are reviewed by Bill Huff before delivery. However, we make no warranty that the analysis is complete or that all risk factors in your portfolio have been identified. The report is a starting point for attorney review, not a substitute for it.

Intellectual Property

The Debt Bomb Analyzer™ system, methodology, risk category definitions, analysis framework, and report templates are the intellectual property of HUFF Real Estate Group. Your engagement report and findings are licensed to you for your personal and business use in connection with the specific portfolio analyzed. You may share your report with your attorneys, accountants, partners, and lenders as needed.

You may not reproduce, resell, or use our methodology, templates, or system outputs as the basis for a competing service without our written permission.

Your loan documents remain your property at all times. We have no claim to them and delete them per the schedule in your NDA.

Limitation of Liability

To the maximum extent permitted by applicable law, HUFF Real Estate Group's total liability to you for any claim arising from or related to this service is limited to the amount you paid for the specific engagement giving rise to the claim.

We are not liable for any indirect, incidental, consequential, or punitive damages, including but not limited to lost profits, loss of data, or business interruption, even if we have been advised of the possibility of such damages.

We are not liable for actions you take or fail to take based on our findings, for decisions made by your lenders, for legal outcomes in any proceeding, or for risks that existed in your documents but were not identified due to the limitations described in Section 06.

Governing Law and Disputes

These Terms of Service are governed by the laws of the State of Texas, without regard to its conflict of law provisions. Any dispute arising from these terms or your engagement with us will be resolved in the state or federal courts located in Bexar County, Texas, and you consent to personal jurisdiction in those courts.

Before initiating any formal proceeding, you agree to contact us at [email protected] to attempt to resolve the matter informally. We will respond within 10 business days.

Termination

Either party may terminate an engagement before the AI analysis phase begins. You will receive a full refund if you cancel before document intake is confirmed. After analysis begins, the engagement fee is non-refundable as described in Section 04.

We reserve the right to decline or terminate any engagement if we determine that the requested analysis involves documents we cannot process, if the information provided is materially inaccurate, or if you violate these Terms of Service.

Entire Agreement

These Terms of Service, together with your signed Client Service Agreement and Non-Disclosure Agreement, constitute the entire agreement between you and HUFF Real Estate Group with respect to the Debt Bomb Analyzer™ service. They supersede any prior conversations, emails, or representations. If any provision of these terms is found unenforceable, the remaining provisions remain in full effect.