Terms of Service

By creating an account or using the PearlAudit platform (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms, and “you” refers to both you and that organization.

When you create an account, create an API key or make a purchase, we ask you to confirm that you accept these Terms, and we record which version you accepted.

If you do not agree to these Terms, do not use the Service.

PearlAudit provides a property intelligence platform that aggregates and presents publicly available New York City municipal data — including zoning, building characteristics, flood risk, and air rights — in structured dossier format. The Service is intended for use by licensed real estate professionals, investors, attorneys, consultants, and other commercial real estate industry participants.

PearlAudit is not a licensed real estate broker, appraiser, attorney, or financial advisor. The Service provides data and analysis tools; it does not constitute professional advice of any kind. See the “Disclaimer of Warranties” section below.

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information and is incorporated into these Terms by reference.

You must create an account to access the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

You must provide accurate information when creating your account and keep it up-to-date. Accounts are for your individual or organizational use only and may not be shared with or transferred to third parties outside your organization without our written consent.

You must be at least 18 years of age to use the Service.

You may use the Service for lawful professional purposes. You may not:

• Reproduce, resell, or redistribute dossier content as a standalone data product without our written consent
• Use automated scripts, bots, crawlers or AI agents to access the Service or to extract data from it, except through the interfaces we provide for that purpose (an API key or an Enterprise agreement)
• Attempt to reverse-engineer, decompile, or interfere with the technical operation of the Service
• Use the Service to harass, stalk, or facilitate unlawful surveillance of individuals
• Misrepresent PearlAudit data as your own proprietary research without appropriate attribution

Dossiers may be shared with clients, colleagues, lenders, and counterparties in the ordinary course of professional real estate transactions.

See also Use of Output, which governs what may be done with anything the Service returns.

Definitions. “Output” means anything the Service returns or delivers to you, in any format, including dossiers, reports, maps, figures, findings, alerts, summaries, API responses and data exports, and any copy, excerpt or derivative of them. “Inputs” means the addresses, properties, parameters and other requests you submit. A “Competing Offering” is any product, service, dataset, model or tool that provides property, zoning, ownership, risk or due-diligence information or analysis that is substantially similar to, or a substitute for, all or part of the Service.

You may not, and may not permit or help anyone else (including any AI agent, model or automated tool acting for you) to:

1. (a) use the Service, Inputs or Output to discover, infer, reconstruct or replicate how the Service works, including its methods, logic, rules, classifications, data processing, or the selection and arrangement of its data. Examples: submitting Inputs that are chosen or varied systematically to observe how Output changes; capturing, recording or analysing the requests and responses exchanged between your device and the Service; or comparing Output with another source in order to reproduce it;
2. (b) use Output to develop, train, fine-tune, test, validate, benchmark, calibrate or improve a Competing Offering, including as training data, evaluation data, reference answers or a retrieval corpus for any machine-learning model or AI system;
3. (c) combine Output for multiple properties into a database, dataset or index, except as your own internal records of properties you are evaluating, own, finance, insure or advise on;
4. (d) create or use more than one account, or an account in another person’s name or a false name, to exceed an allowance or to obtain Output for a purpose these Terms prohibit;
5. (e) give Output to anyone you know or have reason to believe will use it for a purpose these Terms prohibit;
6. (f) call the Service’s internal interfaces directly (for example, the requests the web application makes to its own server) other than through the web application itself. The documented API, under an API key, is the only supported programmatic access.

What stays permitted. Nothing in this section restricts you from: (i) reading, relying on, checking, verifying or disputing Output for your own transaction or portfolio, as these Terms ask you to do (and we welcome error reports); (ii) sharing Output as Permitted Use allows; (iii) using the underlying public records, which remain in the public domain and which you may obtain from their sources; or (iv) using an AI assistant to read or summarise Output for your own permitted purposes.

Survival and remedies. These restrictions apply to Output whenever you obtained it and survive termination. A breach may cause harm that money damages cannot adequately remedy, so we may seek injunctive relief in addition to any other remedy, and we may suspend or terminate access.

The Service offers a free tier with a limited monthly allowance, one-time purchases (such as a single dossier), and recurring paid subscriptions. Recurring subscriptions are billed monthly or annually in advance; one-time purchases are charged once at the time of purchase. All fees are stated in US dollars and are non-refundable except as required by law.

If payment fails, your account may be downgraded or suspended after a grace period. We will notify you by email before taking any action. You remain responsible for all unpaid fees accrued before suspension.

We reserve the right to change subscription pricing with 30 days’ notice. Price changes do not apply to the current billing cycle.

The Service aggregates data from publicly available NYC municipal records and federal flood maps. These datasets are maintained by government agencies and are updated on their respective schedules.

PearlAudit does not originate, verify, or warrant the accuracy of underlying municipal data. Errors, omissions, or delays in source data will be reflected in dossiers. All dossiers include a “Data as of” timestamp indicating the vintage of the underlying dataset.

You are solely responsible for independently verifying any data before relying on it for acquisition decisions, loan underwriting, legal proceedings, or any other consequential purpose.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, PEARLAUDIT DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

PEARLAUDIT DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM DATA INACCURACIES. PROPERTY DATA OBTAINED THROUGH THE SERVICE SHOULD NOT BE TREATED AS A SUBSTITUTE FOR TITLE SEARCH, SURVEY, APPRAISAL, ENVIRONMENTAL ASSESSMENT, LEGAL REVIEW, OR OTHER PROFESSIONAL DUE DILIGENCE.

TO THE FULLEST EXTENT PERMITTED BY LAW, PEARLAUDIT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

PEARLAUDIT’S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED US DOLLARS ($100).

You agree to indemnify, defend, and hold harmless PearlAudit and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any law or the rights of any third party.

The PearlAudit platform, including its software, design, and compiled dossier format, is owned by PearlAudit and protected by copyright and other intellectual property laws. These Terms do not grant you any ownership interest in the Service.

The underlying municipal data surfaced by the Service is in the public domain. PearlAudit’s compilation, presentation, and analysis layer is proprietary.

You may cancel your account at any time from your account settings or by contacting us. Cancellation takes effect at the end of your current billing period.

We may suspend or terminate your account for violation of these Terms, non-payment, or conduct that we determine in our reasonable discretion poses a risk to the Service or other users. We will provide notice where reasonably practicable.

Sections of these Terms that by their nature should survive termination — including Use of Output, Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, and Governing Law — shall survive.

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any dispute arising from these Terms or the Service shall be resolved exclusively in the state or federal courts located in New York County, New York, and you consent to personal jurisdiction in those courts.

We may update these Terms from time to time. Material changes will be communicated by email to the address on your account at least 14 days before taking effect. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.

Questions about these Terms should be directed to: