Terms of Use

Effective date: November 12, 2026

These Terms of Use ("Terms") are an agreement between you and S8 Atlas LLC, a Florida limited liability company, 7901 4th St N #34938, St. Petersburg, FL 33702 ("S8 Atlas," "we," "us"). They govern your use of s8-atlas-app.vercel.app and related S8 Atlas websites, software, AI tools, education content, and emails (the "Services"). By using the Services, creating an account, or signing in, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not use the Services.

PLEASE READ SECTION 13 (DISPUTE RESOLUTION). IT REQUIRES INDIVIDUAL BINDING ARBITRATION OF MOST DISPUTES AND WAIVES CLASS ACTIONS AND JURY TRIALS, SUBJECT TO ITS EXCEPTIONS AND YOUR RIGHT TO OPT OUT.

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Services. If you use the Services for a company, you confirm that you are authorized to accept these Terms for it.

2. What S8 Atlas is and is not

S8 Atlas provides real estate education, coaching, and research and analysis software. S8 Atlas is not a licensed real estate broker or brokerage, sales associate, appraiser, mortgage lender, mortgage broker, loan broker, credit repair organization, property manager, title company, investment adviser, broker-dealer, law firm, or tax or accounting firm. S8 Atlas does not list, market, find, negotiate, or close properties for anyone, does not place tenants, does not arrange financing, and does not represent buyers, sellers, landlords, or tenants in any transaction. Nothing in the Services is an offer to buy or sell any property, a solicitation of any investment, a security, or legal, tax, investment, lending, appraisal, or financial advice. S8 Atlas does not sell securities or offer any pooled, managed, or passive investment. You choose, buy, own, and control any property you acquire, and you contract directly with any agent, lender, contractor, or manager you hire. Real estate licensees, lenders, contractors, and other professionals you work with are independent of S8 Atlas.

3. Estimates, data, and no guarantees

The Services show automated estimates, including values, rents, cash flow, cap rates, cash-on-cash returns, repair ranges, and maximum offers. They are based on third-party data and assumptions that may be wrong, incomplete, or out of date. Estimates are not appraisals, broker price opinions, inspections, title reviews, or housing-authority approvals. Listings may be sold, changed, or withdrawn. You are responsible for verifying all information with the original source, the county, a title company, licensed inspectors and contractors, the housing authority, and your own legal, tax, and financial advisers before acting. S8 Atlas does not promise or guarantee any income, cash flow, return, purchase, or other result. See our Earnings Disclaimer.

4. HUD and Section 8

S8 Atlas is not affiliated with, endorsed by, or acting for the U.S. Department of Housing and Urban Development (HUD), any public housing agency, or the Housing Choice Voucher (Section 8) program. HUD Fair Market Rents are reference figures, not a payment standard or an approved rent. This product uses the HUD User Data API but is not endorsed or certified by HUD User.

5. AI tools

Our AI tools (including Ask Atlas AI, property chat, the Mentor, AI Analyze, and photo-based repair estimates) use a third-party AI model. AI output can be inaccurate or incomplete, is not reviewed by a person, and is not professional advice. Do not enter personal or sensitive information. You are responsible for how you use AI output.

6. Accounts

Keep your sign-in credentials and sign-in links confidential. You are responsible for activity under your account. Tell us promptly at support@s8atlas.com if you believe your account has been used without permission. We may suspend or close accounts that violate these Terms.

7. Acceptable use

You agree not to: (a) copy, scrape, crawl, harvest, resell, or redistribute data, listings, photos, or content from the Services, or use automated means to access the Services, except as we permit in writing; (b) use the Services, or any information from them, to screen tenants or make decisions about anyone's eligibility for housing, credit, employment, or insurance, or for any purpose covered by the Fair Credit Reporting Act; (c) use the Services to discriminate in violation of fair housing or other laws, or to harass property owners, occupants, or anyone else; (d) use the Services to engage in real estate, lending, or other licensed activity without the required license; (e) interfere with, probe, or overload the Services or bypass security or usage limits; (f) upload malicious code or unlawful content; or (g) use the Services in violation of any law.

8. Third-party data, services, and Google Maps

The Services include data and content from third parties, including public records, HUD, the U.S. Census Bureau, listing and market-data providers, and Google. Third-party content belongs to its owners, is provided "as is," and may be subject to their terms. S8 Atlas is not affiliated with Zillow, Realtor.com, Trulia, or Auction.com. Zestimate® is a registered trademark of Zillow, Inc.

Google Maps notice: The Services include Google Maps features and content. Use of Google Maps features and content is subject to the then-current versions of the Google Maps/Google Earth Additional Terms of Service at https://maps.google.com/help/terms_maps/ and the Google Privacy Policy at https://policies.google.com/privacy.

9. Paid programs

Coaching, consulting, and other paid programs are provided only under a separate written agreement signed by you and S8 Atlas. That agreement controls the price, services, term, refunds, and dispute resolution for the program. If it conflicts with these Terms, the signed agreement controls for that program. Sales materials do not change the written agreement. Our Refunds & Cancellation page summarizes current program terms.

10. Intellectual property

The Services, including software, scores, analyses, education content, text, graphics, and the S8 Atlas name and logo, are owned by S8 Atlas or its licensors and are protected by law. We give you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for your own real estate research and education under these Terms. You may not copy, modify, distribute, sell, or create derivative works from the Services except as these Terms allow.

Copyright complaints: If you believe content on the Services infringes your copyright, send a notice to S8 Atlas LLC, Attn: Copyright Agent, 7901 4th St N #34938, St. Petersburg, FL 33702, or support@s8atlas.com. Include the information required by 17 U.S.C. § 512(c)(3). We will respond to valid notices and may remove the content.

11. Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES AND ALL CONTENT, DATA, ESTIMATES, AND AI OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, S8 ATLAS AND ITS MEMBERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, RENTS, APPRECIATION, FINANCING COSTS, OR DIMINISHED PROPERTY VALUE, ARISING FROM OR RELATED TO THE SERVICES OR ANY DECISION YOU MAKE USING THEM. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE FREE SERVICES IS LIMITED TO ONE HUNDRED DOLLARS ($100). FOR A PAID PROGRAM, LIABILITY IS GOVERNED BY YOUR SIGNED PROGRAM AGREEMENT. THESE LIMITS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING FOR FRAUD OR INTENTIONAL MISCONDUCT.

13. Dispute resolution; binding arbitration

13.1 Informal resolution. Before starting arbitration, you or we must send written notice describing the dispute and the relief sought, and we will both try in good faith to resolve it for 15 business days. Send notices to support@s8atlas.com and to the address above.

13.2 Arbitration. Any dispute arising out of or relating to these Terms or the Services will be resolved by individual, binding arbitration before one neutral arbitrator administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules where they apply, and otherwise its Commercial Arbitration Rules. The Federal Arbitration Act governs this Section, and the Revised Florida Arbitration Code applies where not preempted. Courts keep their authority to decide questions about the formation and enforceability of this Section.

13.3 Venue. The arbitration seat is Pinellas County, Florida, subject to AAA rules and consumer venue protections, and hearings may be held by video or phone. The state and federal courts for Pinellas County, Florida have jurisdiction over arbitration-related court proceedings, and judgment on an award may be entered in any court of competent jurisdiction.

13.4 Exceptions. Either party may bring an eligible individual claim in small claims court, seek injunctive relief in court to protect intellectual property or confidential information, or file a complaint with a government agency.

13.5 Individual claims only. To the extent permitted by law, disputes proceed only individually and not as a class, collective, or representative action, and you and S8 Atlas waive any right to a jury trial. If this limit is unenforceable for a particular claim or remedy, only that claim or remedy proceeds in court, and the rest of this Section stays in effect.

13.6 Costs. AAA fees and arbitrator compensation follow the AAA's applicable rules. Each party bears its own attorneys' fees and costs, except as the arbitrator or a court must award under applicable law or the AAA rules.

13.7 Opt-out. You may opt out of Sections 13.2 and 13.5 by emailing support@s8atlas.com within 30 days after you first accept these Terms, with your name, your account email, and a statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.

13.8 Paid programs. Disputes about a paid program are governed by the dispute-resolution section of your signed program agreement.

14. Governing law

Florida law governs these Terms, without regard to conflict-of-laws rules, except where the Federal Arbitration Act or mandatory law where you live applies.

15. Changes and termination

We may update these Terms by posting a revised version with a new effective date. Material changes take effect 30 days after posting or when you next accept them, whichever is first, and do not apply to disputes already pending. We may change, suspend, or end any part of the free Services at any time. You may stop using the Services and close your account at any time.

16. General

These Terms, our Privacy Policy, and any signed program agreement are the entire agreement about the Services. If any provision is unenforceable, the rest stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent. We may assign them to an affiliate or successor. Nothing in these Terms limits any rights that cannot be waived under applicable law, including your right to post honest reviews.

17. Contact

S8 Atlas LLC, 7901 4th St N #34938, St. Petersburg, FL 33702 · support@s8atlas.com