Terms of Use

1. Acceptance of Terms

By accessing or using the ClickDrag Finance Cost Segregation Platform ("Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not use the Service. The Service is provided by ClickDrag Finance ("Company," "we," "us," or "our").

2. Description of Service

ClickDrag Finance provides an AI-powered platform that produces engineering principles-based cost segregation analyses for real estate properties, applying the cost classification approach described in the IRS Cost Segregation Audit Techniques Guide. The Service analyzes construction documents, invoices, and property data to classify building components by recovery period and generate depreciation schedules and supporting materials.

3. User Accounts

To use the Service, you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must notify us immediately of any unauthorized use of your account.

4. Fees and Payment

The Service requires payment as described on our pricing page. An initial deposit is required to begin processing, with the remainder due upon report completion. All fees are non-refundable except as required by applicable law. We reserve the right to change our pricing with 30 days' notice.

5. User Responsibilities

You agree to:

• Provide accurate and complete property and construction documentation
• Use the Service only for lawful purposes
• Not misrepresent the information provided to the Service
• Consult with a qualified tax professional before filing any tax returns based on our reports
• Not reverse-engineer, decompile, or attempt to extract source code from the Service

6. Disclaimers — Engineering Review, Tax Advice, and Intended Use

6.1 Engineering Principles-Based Methodology; No Engineer Sign-Off

The studies and related materials produced by the Service are prepared using an engineering principles-based methodology, applying the cost classification approach described in the IRS Cost Segregation Audit Techniques Guide. However, a licensed or professional engineer has not reviewed or signed off on the design, process, features, or end results of the Service or of any study, schedule, report, or other material it produces. The materials do not constitute an engineering report, engineering certification, attestation, audit, or appraisal, and nothing in them should be read or relied upon to imply that a professional engineer has reviewed, approved, or certified them.

6.2 Informational Purpose; Intended Use

All studies, schedules, reports, briefs, and other materials provided through the Service are furnished solely for informational purposes to assist the client and its advisors with management decision-making. No other use is intended or implied. The materials are not a substitute for professional advice and may not be relied upon as a determination of the correct tax, accounting, legal, or engineering treatment of any item.

6.3 Professional Review Encouraged

We strongly encourage you to have all materials provided through the Service reviewed by your own qualified professionals — including a licensed tax professional or Certified Public Accountant (CPA) and, where appropriate, a licensed engineer — before filing any tax return or otherwise relying on the materials. You are solely responsible for the positions ultimately taken by you and your advisors.

6.4 No Tax Advice; No Guarantee of Outcome

The Service does not constitute tax, legal, accounting, engineering, or financial advice and does not guarantee any specific tax outcome or savings amount. Estimated amounts — including the total depreciable basis — are estimates based on the information provided and may differ from actual results. The total depreciable basis is used as a cap on the classified components and is an estimate, not a guaranteed figure.

7. Intellectual Property

The Service, including its software, algorithms, designs, and documentation, is owned by the Company and protected by intellectual property laws. You retain ownership of the documents and data you upload. We retain a limited license to process your data solely for the purpose of providing the Service. Reports generated by the Service are licensed to you for your use in connection with the analyzed property.

8. Data Privacy, Security, and Retention

We take the security of your data seriously. Your uploaded documents and generated reports are stored securely and encrypted in transit and at rest. We do not sell your personal information or property data to third parties.

8.1 Document Retention

All uploaded source documents (AIA pay applications, invoices, blueprints, photographs, and other files you upload) and generated study deliverables (PDF reports, Excel workbooks) are retained for seven (7) years from the date of upload or generation. This retention period aligns with the general IRS audit statute of limitations under IRC §6501. After seven years, documents are automatically and permanently deleted from our systems.

8.2 Advance Deletion Notice

We will notify the account administrator at least 90 days before any document is scheduled for automatic deletion. This notice is sent by email and is for informational purposes only — no action is required to trigger the deletion. You may download your documents at any time before the scheduled deletion date via your account dashboard.

8.3 Early Deletion Request

You may request early deletion of your uploaded source documents at any time through your account Settings page (Data & Privacy tab). Early deletion requests are processed within 24 hours. Important: generated cost segregation study reports (PDF and Excel deliverables) are retained for the full seven-year period regardless of early deletion requests, as they may be required for IRS audit defense. We cannot delete these deliverables early. By requesting early deletion, you acknowledge this limitation.

8.4 Storage Security

Documents are stored in a private, non-publicly accessible cloud storage bucket. Access is controlled by row-level security policies tied to authenticated user sessions. Short-lived signed URLs (valid for 5–60 minutes) are used for any file preview or download, with no permanent public links generated. For full details, review our Privacy Policy.

9. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, data loss, or business interruption, arising out of or in connection with the Service. Our total liability shall not exceed the amount paid by you for the Service in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless the Company and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We may suspend or terminate your access to the Service at any time for violation of these Terms or for any other reason at our discretion. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination will survive, including intellectual property, limitation of liability, and indemnification.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Service with a revised effective date. Your continued use of the Service after such changes constitutes acceptance of the modified Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved in the state or federal courts located in New Jersey.

14. Contact Information

For questions about these Terms of Use, please contact us at support@clickdragfinance.com.