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Terms of Service

Last updated 09-19-2026

These Terms of Service (“Terms”) are an agreement between you and 8 Blocks LLC (“Vurno”, “we”, “us”) covering your use of Vurno: our website at vurno.io, the Vurno app, and everything we deliver through them (the “Service”). By creating an account or using the Service you agree to these Terms and to our Privacy Policy. If you are signing up for a company, you confirm that you can bind it to these Terms, and “you” means that company.

1. Who can use Vurno

Vurno is a business tool for mortgage loan officers, their teams and their companies. You must be at least 18 and use the Service for your business, not for personal, family or household purposes.

2. The Service

Vurno helps you stay in touch with past clients and work with real estate agents. It estimates the value of your clients’ homes and watches for changes, builds a daily list of who to contact and why, sends home updates and other messages on your behalf, hosts home pages and lead forms for you, and follows the listing activity of agents you work with. We may add, change or retire features over time; if we remove something material that you pay for, we will tell you in advance.

3. Accounts and workspaces

  • Each account belongs to a workspace. Workspace owners manage billing, members and settings, including whether members see the whole workspace or only their own clients and agents.
  • You are responsible for your sign-in details and for everything done under your account and your workspace, including by members you invite. Keep your password private and tell us right away at support@vurno.io if you suspect unauthorized access.
  • Give us accurate account information and keep it up to date.

4. Trials, plans and payment

  • Free trial. New workspaces get a 14-day free trial with the limits shown on our pricing page. No payment details are needed to start. When the trial ends, you need a paid plan to keep using the Service.
  • Plans and limits. Each plan includes allowances, such as the number of homes monitored, agents watched, logins and new clients per 30 days, as described on our pricing page. If you go over an allowance, the extra homes or agents are not monitored until you upgrade, add a block or remove others.
  • Subscriptions. Plans are billed in advance, monthly or annually, and renew automatically for the same term until you cancel. You can cancel at any time from the billing page; cancellation takes effect at the end of the period you have paid for. Prices do not include taxes, which you are responsible for.
  • Payment. Payments are processed by our payment processor. By adding a payment method you authorize us to charge it for your subscription and any add-ons you choose. If a payment fails, we will email the address on your account and retry. After three failed attempts your workspace may be disabled, and if payment is still not resolved 30 days later, your workspace and its data may be deleted.
  • Price changes. We may change our prices. We will give you reasonable notice before a new price applies to your subscription, so you can cancel first; continuing to use the Service after the change takes effect means you accept it.
  • No refunds. Payments are non-refundable, including for partial periods, unused allowances and early cancellation, except where the law requires otherwise. Please raise any billing dispute with us within 30 days of the charge.

5. Your data

You own the information you and your team put into Vurno, including your client and agent records (“Your Data”). You give us permission to host, copy, process, transmit and display Your Data, and to combine it with third-party property and listing data, only as needed to provide and support the Service for you, to keep it secure, and as our Privacy Policy describes. We do not sell Your Data or use your client list to market to your clients ourselves. We may use aggregated or de-identified information that does not identify you or any person to operate and improve the Service. You can export your clients and agents at any time from Settings.

6. Your responsibilities for clients and messages

You decide who is in your book and what is sent to them, so you are responsible for doing that lawfully. In particular, you agree that:

  • You have the right to give us every record you add, and any notice or consent the law requires for us to process it on your behalf, including under the Gramm-Leach-Bliley Act and your own privacy notice.
  • You will not upload Social Security numbers, dates of birth, bank or loan account numbers, credit reports, or other sensitive information the Service is not designed to hold.
  • Emails sent through Vurno go out under your name and brand, and you are their sender for purposes of the CAN-SPAM Act and similar laws. You will keep an accurate physical mailing address in your settings and will not ask us to send messages to people who have opted out.
  • You will send text messages, or have us send them, only to people who have given the consent the Telephone Consumer Protection Act and similar laws require, and you will honor do-not-call and opt-out requests.
  • You will follow the laws and rules that apply to your business, including fair lending laws, the Real Estate Settlement Procedures Act, and licensing and advertising rules such as NMLS and state disclosure requirements. Vurno does not pay or receive referral fees and is not a way to exchange anything of value for referrals.
  • You will not use heat scores, value estimates or any other Vurno output to decide whether to extend credit or on what terms, or in any way that discriminates on a basis the law prohibits.

7. Messages we deliver for you

Emails we send for you come from a Vurno address under your name, and replies go to you. We add unsubscribe links and the other notices the law requires, and we honor opt-outs across your workspace. To protect delivery for all customers, we may pause or stop sending to addresses that bounce or complain, and we may pause a workspace’s sending if it creates legal, security or deliverability risk.

8. Estimates and third-party data

Home values in Vurno are automated estimates from third-party data, not appraisals, and may be wrong. Listing status, agent statistics and market rates also come from third parties and may be incomplete, delayed or inaccurate. Use them as a reason to reach out, not as a basis for lending decisions, disclosures or advice to clients. Vurno does not provide financial, legal, tax or lending advice.

9. Acceptable use

You will not, and will not let anyone else:

  • use the Service for anything unlawful, deceptive or harassing, or to send spam;
  • upload malware, or probe, scan or test the security of the Service without our written permission;
  • copy, scrape, resell or build a competing product from the Service or the data it provides;
  • reverse engineer the Service, except where the law allows it despite this restriction;
  • get around plan limits, share logins, or interfere with the Service or other customers’ use of it.

10. Other services you connect

If you connect Vurno to another product, such as a CRM or automation tool, you direct us to exchange data with it. That product is governed by its own terms, and we are not responsible for it or for what it does with the data.

11. Our property and your feedback

Vurno, including its software, design, text and the materials we create, belongs to 8 Blocks LLC and its licensors. These Terms give you the right to use the Service during your subscription, not any ownership of it. If you send us ideas or feedback, we may use them without any obligation to you.

12. Availability

We work to keep Vurno available and reliable, but it may sometimes be unavailable, for example during maintenance, because of failures at our hosting or data providers, internet outages, attacks, events beyond our reasonable control, or while we investigate misuse. We are not liable for unavailability, or for data loss caused by those events. We keep backups, and you can export your clients and agents at any time.

13. Suspension and termination

You can stop using Vurno and cancel your subscription at any time. We may suspend or end your access if you breach these Terms, if payment is not resolved as described in section 4, if your use creates legal, security or deliverability risk, or if we stop offering the Service, in which case we will give you notice and a chance to export Your Data. When your access ends, we will keep Your Data for up to 90 days so it can be restored, then delete it as our Privacy Policy describes. Sections 4 (amounts owed), 5, 6, 8, 11 and 14 through 18 continue after termination.

14. Disclaimers

The Service is provided “as is” and “as available”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not promise that the Service will be uninterrupted or error-free, or that any estimate, score or alert will be accurate or will lead to business.

15. Limitation of liability

To the fullest extent the law allows, neither party will be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, business or data, even if advised they might occur. Our total liability for all claims relating to the Service is limited to the amount you paid us in the 12 months before the event giving rise to the claim. These limits do not apply to your obligations to pay us or to indemnify us.

16. Indemnification

You will defend and indemnify 8 Blocks LLC and its officers, employees and contractors against any claims, losses and expenses, including reasonable attorneys’ fees, arising from Your Data, the messages sent at your direction, your use of the Service, or your breach of these Terms or of the law.

17. Changes to these Terms

We may update these Terms. If a change is material, we will give you at least 30 days’ notice by email or in the app before it takes effect. Continuing to use the Service after the effective date means you accept the new Terms; if you do not, you may cancel before then.

18. Governing law and disputes

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of laws rules. Any dispute relating to these Terms or the Service will be brought in the state or federal courts located in Arizona, and both parties consent to their jurisdiction.

19. General

  • These Terms and our Privacy Policy are the entire agreement between us about the Service, and they replace any earlier agreement on the subject.
  • You may not transfer these Terms without our written consent; we may transfer them as part of a merger, acquisition or sale of assets.
  • If any part of these Terms cannot be enforced, the rest remains in effect. Not enforcing a right is not a waiver of it.
  • We may send notices to the email address on your account; you can send notices to support@vurno.io.

20. Copyright complaints

If you believe material in the Service infringes your copyright, send a notice to support@vurno.io identifying the work, the material and where it appears, your contact information, and a statement that you believe in good faith the use is not authorized. We respond to valid notices and may close the accounts of repeat infringers.

21. Contact us

Questions about these Terms: support@vurno.io. 8 Blocks LLC, an Arizona limited liability company, operator of Vurno.